vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Im in the process of trying to close a mortgage through Quicken Loans, Rocket Mortgage conventional product 3 percent down w2 buyer 19 % HDR, purchase price $ XXXX appraisal $ XXXX first time buyer. Originally when we discussed the loan I was specific that I was looking for something without mortgage insurance. As we were hurting through the process by the sales rep asked to commit to things while he was on the phone not really giving us time to review documents as intended somehow ( because 3 % down ) we are required MI and are entering into first time buyer program. When I complained to the second representative a processor that contacted me she said she couldnt go any farther until Ive discussed this with the sales representative. He of course wasnt sure how I got confused that he wouldve never said there wouldnt be a mortgage insurance. I frustratingly accepted the fact other than my conversation with every other lender and person was very specific about this that maybe he didnt hear. Im told there is no conventional 3 % down product without MI so Im fine with that just feel in complaining Ive somehow upset the company and now Im fighting tooth and nail every document submitted to be sufficient. I took my first time buyer class using the copied and pasted URL provided the stipulation and was told I needed to take another HUD approved class. Upon pushing back this was satisfied. I connected my bank statements to the account for assets which was sufficient for income but not for Ernest money or funds to close. Im told I didnt provide part of my savings statement, again which are connected to the loan, for XX/XX/XXXX -XX/XX/XXXX. The request was 2 months bank statements and XX/XX/XXXX isnt even over so I provided XX/XX/XXXX and XX/XX/XXXX. I also provided the XX/XX/XXXXmonth to date in a screen capture of balance so highlighted this and put it back into this new stipulation. Im told they are missing {$500.00} to close when my account balance is {$3500.00}! over what they are asking for. It just seems Im being punished for feeling like I wasnt given the full picture or what the mortgage was in the beginning and with my closing date of XX/XX/XXXX I am worried about closing. The agent on the file for the seller was reluctant to take our offer amongst the others because 3-4 customers in the passed had horrid closing stories if they made it at all because of similar situations by this lender. Something needs to happen to ensure proper handling or understanding and training to make sure people are focused on approval and closing not denying or checking a box on a shirt. Please help me understand or close my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I asked capital one bank that they had a problem with their online banking system to pay my bill but I got penalized for their mistake and they restricted my account from making purchases then i was told by a supervisor that the restriction might be taken off never happened at all I been with them for 4 years quick silver credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
On XX/XX/19 I notified them in writing and faxed it to them that they can not call my work phone number- I am not allowed personal calls and I am also laid off of work and can not receive phone calls there. I also sent them in writing a letter from my references that they want to be taken off of the list and they are not to be called in regards to this debt. The letter was signed by the references. They continued to call. I then mailed the letter again to their address XX/XX/19. They just called my ex place of unemployment and also called a reference that notified them in writing that they are not to be contacted.

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 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Att : : XXXX XXXX XXXX  From : XXXX and XXXX XXXX Date : XX/XX/2019 RE : True loan modification ( XXXX Intake Dept ) We have questions about this loan modification. 
We want the real estate attorney to review the modification in detail and documents we sent to the XXXX XXXX XXXX. 
We want the Attorneys that viewed the document phone number, email, and their state bar number. 
We want the attorney to sign off on all documents personally. 
XXXX XXXX or XXXX XXXX are they attorneys? 
Our current monthly payment is XXXX The paper work that XXXX XXXX sent for us to sign is a blind modification, without any payment plans, monthly payment, escrow, taxes and insurance. 
We need the number break downs of years and monthly payments. 
The purpose of the loan modification program is to lower our monthly payment making our home more afford. 
According to our case manager, XXXX XXXX stated that Fay Servicing should return to us XXXX that they did not give us credit from last year. 
We received a phone call from XXXX XXXX resprened himself as the first Vice- President of Fay Servicing XXXX stated that Fay Servicing did us wrong and how could they make it right to us. 
The date that he called was the XX/XX/2019. He stated that he was going to send to us certified mail. He called two times. 
This the same tactic Fay Servicing did to us less than a year ago. Our attorney at that time name is XXXX XXXX. Her number XXXX. 
We would like the retainer from all Attorneys including XXXX XXXX XXXX ; the retainer should be paid by Fay Servicing. 
We want the escrow break down, of the loan modification, terms of taxes, insurance and payments. 
Why do we have to accept Fay Servicing loan modification only? 
Why is it taking so long to get the loan modification? 
We need an attorney to call or engage us by email concerning loan modification. 
We want the attorney to seize and stop this tactic concerning our loan modification. 
We want all these questions answer by the attorney personally by letter or email. XXXX XXXX XXXX, ( case manager XXXX XXXX XXXX ) assured us a loan modification we qualify (

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Mr XXXX, My name is XXXX XXXX and I am writing about the inaccurate information that continues to report on my credit file because of the negligence of Transunion representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts to include the actual police report filed with the XXXX Police Department. On XX/XX/2019 I submitted a complaint with the CFPB against Transunion for the fraudulent accounts reporting on my credit file. I received notification from Transunion onXX/XX/19 that these fraudulent accounts had been deleted from my credit file. However, XX/XX/2019, I received an alert form my credit monitoring system that both XXXX XXXX accounts had been re-inserted onto my credit file. I received no notification that these would be re-inserted either. these accounts were to be deleted and blocked. How is this able to happen? I am at a loss! At this moment, these fraudulent accounts are only reporting on my Transunion credit report as the others have deleted this incorrect information. I have since filed a report with the FTC and CFPB again. I am at my wits end and I feel as this process has been going on for well over a year and half with Transunion. I have also reached out to the CEO Mr XXXX for assistance as my rights have been violated. 



The fraudulent accounts to be deleted and blocked are XXXX XXXX XXXX and 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 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We had a trip scheduled for my daughter who was graduating to go to XXXX and XXXX. She unexpectedly had to have XXXX and was admitted to XXXXXXXX XXXX XXXX for the XXXX and released the following night with a statement indicating that she could not return to school for a week, couldn't perform any XXXX XXXX for 2 weeks and then was under travel restrictions for 3 weeks. 

Our airline and hotel providers all used the documentation to promptly credit us for the trip cancellation. We have been going round and round with the Card Benefit Services organization XXXX XXXX XXXX XXXX, VA XXXX XXXX since opening the claim on XX/XX/2019. All we have filed is for {$350.00} for 3 one-way train tickets from XXXX to XXXX that we could not get waived. They are sharing they need the actual prognosis of exactly what was wrong with my daughter which feels like an invasion of personal medical records and that know that she was hospitalized and put on restrictions for weeks across the actual day we were to travel is not enough. 

I am asserting this is a deceptive and misleading practice where a benefit is being advertised as part of our Chase Visa Sapphire Reserve card that is never really meant to be used as the service provider Card Benefit Services makes it so burdensome to use that it forces customers to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Complaint against TD Card Services, phone XXXX. My credit card account showed a balance of {$230.00}, as of XX/XX/2019. Since I pay off all charges as they are posted, I should not have a balance. Today, Wednesday, XX/XX/2019, I checked my on-line credit card statement. It showed a balance of {$240.00}. Interest in the amount of {$2.00} had been charged. 

On Wednesday, XX/XX/XXXX, II contacted TDBank Card Services. The representative with whom spoke to did nothing to help me resolve this balance. I was given the run around. I told the representative to cancel my card because of the poor service. 

I have also, via submitted numerous e-mails, via TDBank Card Services secure e-mail, asking for an explanation to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised while I was oversees. The following inquiries were fraudulently made on my account. I demand that the inquiries below be removed. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX   6. XXXX XXXX / XXXX XXXX 7. XXXX XXXX 8. 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 non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: NC

Complaint narrative:
I have received multiple phone calls from ARS National Services. They have repeated called my friends and family. I asked them to send me a debt validation letter in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Company has placed 2 separate hits to my Credit score for 2 separate amounts of {$70.00} and {$140.00} placed on two different dates. Company has repeatedly called and filled up my inbox while they themselves have repeatedly received reports of harassment and violating privacy clauses. I do not owe this debt to Holloway Credit Solutions. They are creating debt I do not owe to them. I paid my medical bill to my DR at the time of rendered service and was billed extra for charges I was explained by my  doctor that were already covered in the {$170.00} I paid. I had an additional visit COVERED BY XXXX XXXX XXXX  INSURANCE SO THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I was supplied with a credit report from TransUnion. The credit score looked very questionable in the mid to high 600 's. The problem is I pay many of my bills in person or certified mail with a traceable money order. When I attempt to apply for credit card refinance, I am receiving offers that are basically loan sharking 32 %. Because of having to pay more in rent, utility bills and rising interest rates, It is prudent to restructure debt into a personal loan. I have been blocked or faced barriers.

I filed a complaint with the attorney General of Pennsylvania and his response is various credit scoring systems. I have also asked the Attorney General of Washington State over the course of 15 years the Physical address of the local credit bureau only to not be given any direct answers.

I have filed court complaints and arbitration complaints over the course of 15 years showing they have used bogus addresses, names, missing information and have not gotten anywhere with this as well. 


I am asking that the local credit bureau in XXXX XXXX County and XXXX County not be allowed to have access to my information or credit reports anymore because of failures over the past 15 years to answer complaints. I have Notarized and Apostille most of my Public Records and they have refused to acknowledge this. 

I tried to mail court documents to the following address : XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Pa., XXXX requesting Transunion be monitored. Certified return receipt XXXX The postal service has tried to return the court documents by placing a white label on the address to be sent to and placed a letter in my mailbox stating nobody will sign for the document. The postal service appears to be aiding and supporting criminal activity by obstructing Justice. 

TransUnion along with the other credit bureaus are being charged with Civil and Human Rights abuses and should not handle anymore records based on it's discrimatory past and present actions.

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 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED BANKSHARES, INC.
State: MD

Complaint narrative:
Around the first of XXXX I filed a complaint against United Bank to what I describe as discrimination. I was trying to withdraw a large sum of money out of my account. An employee came over and started looking over the clerks shoulder and stopped her from giving me my money while checking to see if my deposit of days before was a good check although it had been cleared that day by the bank. They didnt address my complaint but sent a lie back saying the employee helps people to make sure they dont get scammed which had nothing to do with him refusing to give me my money because I was XXXX. Since then the bank has made it hard for me anyway they can. For the past month or longer I have had real problems managing my account because I cant get into it online. They keep giving me a security check about every time I try to log in from the same phone the same way. I called and was told it was no one I could talk to to stop this. At that time a supervisor fixed it so I could get in but the next day it was the same thing. I would choose to answer questions and then it would say it could not give me questions to answer ( this is what kept happening ) so my only choice was to receive a text after I give them the code on my phone on their page. I read it back to them on three occasions and it said it was the wrong code. This has cost me money, time and stress. It should be my choice of the level of security for my account to log in from my phone with every thing consistent. Their security is terrible where it should be with money being taken out of my account unlawfully more than once and by the same company.

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 2019-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: FL

Complaint narrative:
5 years ago XXXX called me and told me i was eligible for student loan forgiveness. i paid XXXX a month for the first 12 months and then XXXX dollars ever since till XXXX of 2018 when i found they were being sued by the federal government, not sure what to do know i have auccered and extra few XXXX dollars in interest i thought they were paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX  XXXX-XXXX, XXXX XXXX   XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.

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 2019-05-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX To whom it may concern, Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Back around XXXX I had a HELOC Home Equity Line of Credit. When the recession hit my husband and I could lost our jobs and we could not pay our bills. When my husband gained employment we were able to do a modification. This was done and our HELOC was charged off. Years later, I called my creditors and made good on past accounts with payment arrangements. It was then, that I discover that my HELOC was sold from M & I Bank to BMO Harris Bank N. A. I was never notified the loan was sold at that time my house was under water by over 100K. 

I called BMO in the past and have tried to settle, but they insist on at least 35K. I have told them this is not possible. This year, I received a 1099-C with a Identifiable event code of G. My accountant said it wa A cancellation of debt. When I did my taxes they said I was insolvent. 

I called BMO XXXX XXXX XXXX XXXX and spoke with XXXX regarding the 1099-c. For the amount of XXXX She said the reason I received the form was because I had passed the statute of limitations for collections. I then asked if they would remove the lien. She said no, NOT until I pay off the debt. She wanted to settle for XXXX. I told her if I could I would have. And that even if I sold the house today, after expenses paying the 1st only, I would need to come with money to the closing table. I told her I would like to have the lien release. Since I have a 40 year loan and want to refinance. I do not think I will live to be 98 and pay the first off much more the second. I told her it does not make sense to charge off the debt, and for them to get the tax ride off and still collect from me. It seems like they are double dipping. Well XXXX said I could write a hardship letter and maybe they will accept a lower amount. 

I am wondering if I have any rights as a consumer for this. Since I am in no position to hire and attorney. I have searched the internet and its called XXXX debt. There is contradicting information. I am also sending this letter to other agencies, as I feel the their business practices are deceptive and illegal for trying to collect after a cancellation of debt 1099-C. 

I can be reached at XXXX ) XXXX the best way is email XXXX Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX  .cc Federal Reserve .cc Attorney General .cc XXXX XXXX XXXX .cc Fair Debts Collection Practices

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