vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Quicken Loans was incredibly responsive and aggressive to get our business for our loan refinance. Our payoff on our existing mortgage was {$230000.00}. I had numerous discussions with the loan officer explaining to him that we were not interested in paying discount points or rolling the cost of the prepaids or escrow balances into the loan. The only thing we wanted in the loan was the actual closing costs we were going to pay. 

The loan officer emails me a screen shot of a rate that beat the other competitors, and showed a loan amount of {$230000.00} - {$1100.00} above our payoff. I asked him to confirm that I was reading things correctly - {$1100.00} in closing costs - and he did so. 

We applied for the mortgage refi on XX/XX/XXXX, paid our {$500.00} good faith deposit, and were fully approved by XX/XX/XXXX. Since then, I've called numerous times to check on the loan, and was told they were having difficulty securing an accurate payoff from our servicer. On XX/XX/XXXX, I called our servicer and was told the payoff had been sent to Quicken repeatedly, including most recently to a specific email address. They also sent me the payoff, which I later had to forward to quicken to get the loan proceeding toward closing. 

I finally get a call from Quicken on Friday, XX/XX/XXXX to outline our closing estimate. Our closing costs were going to total {$5800.00}, not {$1100.00}. Their complaints department escalated the matter, but were unwilling to adjust the closing costs to what was originally promised. 

I have requested my {$500.00} refunded and have been told they have to review all communications before they're able to consider refunding my deposit as it goes toward paying their costs on the loan, like an appraisal, that have already been spent. It's called a GOOD FAITH deposit. I expected them to operate in good faith just as much as they expected me to operate in good faith. Instead, I get a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
I check my credit report a few months ago around XX/XX/XXXX and notice a fraudalent account that being falsely misrepresented on my credit report. I contacted this company via phone and also wrote letters.I sent numerous letter, one dated XX/XX/XXXX. Another on XX/XX/XXXX and most recently I sent a letter dated XX/XX/XXXX certified mail. The company reporting this is XXXX BANK NA and they are using EQUIFAX and XXXX. There is also a unknown fraudalent hard inquiry on my Equifax report, please remove this XXXX. This inaccuracte and false reporting has caused me great harm in my life, it has prevented me from getting apartments and access to credit. This fraudalent account is still being reported on my Equifax and my XXXX credit reports. Please help me resolve this manner I dont know what else to do. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Diversified Adjustment Service asking them for validation ( not verification ) of a debt they had placed on my credit as a collection. I've never entered into a contract with this company. I requested an original agreement with my signature on it, an agreement between this company and the alleged original creditor, and I also asked for proof that they had a right to collect on any date in my state ( Florida ), as there's no proof that they are a licensed debt collector in Florida. On XX/XX/XXXX, the company responded with an itemized statement. This clearly isn't a validation of debt. 

On XX/XX/XXXX, I sent another letter asking for validation again. If not, I requested that the company deleted this from my profile. I asked for a reply or a deletion within 30 days. Today is XX/XX/XXXX, and this alleged debt is still on my credit profile causing serious damage. Also the company has not responded. I'm submitting this complaint because the company hasn't validated the debt, nor has it provided proof that it is even legally able to collect on debts in the State of Florida.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MECHANICS BANK
State: AZ

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Mechanics Bank XXXX XXXX on XX/XX/202. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Mechanics Bank XXXX XXXX took cash. Mechanic Bank XXXX XXXX did not disclose my Right to Rescission in the contract which they should have pursuant to 15 USC 1635.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: PNC Bank N.A.
State: CA

Complaint narrative:
An account was opened in my name XXXX Identity theft ) ending in XXXX with PNC Bank on XX/XX/2021. I received notice of this from PNC bank on XX/XX/2021 and immediately notified them that this was fraudulent. I called them again on XX/XX/XXXX and XX/XX/XXXX because I have not received any follow up or confirmation that this account was closed or blocked. I have not received a case number from PNC. On XX/XX/2021 I received a notice of change of address so I believe that this account has not been closed or inactivated as bank representatives said it would be. 

The lack of follow up communication by PNC bank is unacceptable. 

Please investigate this and follow up with me that the account is locked/closed and that this case is being investigated by PNC Bank. 

Thank you, XXXX XXXX XXXX cell XXXX XXXX XXXX text ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
Received several phone calls from Afni stating that we owed a past due account from a utility company - this was about 3 months ago. 

We just received a statement from Afni. We currently use this utility company and are up to date. The account number that Afni referenced is not ours and our company name is misspelled. 

Our company has contacting the utility company to let them know there is a fraudulent collection company acting on their behalf and to confirm that our account is up to date to which they confirmed. 

The utility company is XXXX. 

The collection agency is listed as Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX Date of notice XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CarMax, Inc.
State: GA

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My insurance went up. i reached out and priced some other options. I found a better policy. i setup a payment with the new policy. i sent the new policy over to freedom mortgage. they then paid the old policy which i had cancelled. then they paid the new policy which i had paid. when i called them to get this corrected they informed me it was my responsibility to resolve the issue on my own and that i was negative in my escrow now due to them paying XXXX insurance policies and also had to pay them too

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Fraudulently opened but no one used the card Still the financial company charged {$290.00}

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 explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
On XX/XX/XXXX I opened a Key XXXX Checking account online after receiving a mailed promotion from KeyBank offering a {$400.00} bonus for making a minimum opening deposit and one single direct deposit of at least {$500.00} within 60 days of account opening. I went in-branch on XX/XX/XXXX and made an opening deposit of {$25.00} while at the branch, I confirmed with a banker that the bonus offer code was correctly applied to my account and that the only other requirement was to make a direct deposit by the XX/XX/XXXX deadline. My checking account received a payroll direct deposit of {$600.00} on XX/XX/XXXX, thus fulfilling all the requirements of the bonus offer. 

After more than four months since completing all the requirements, I still had not received the {$400.00} bonus, so I called KeyBank 's customer service phone number on XX/XX/XXXX to inquire about its status. The KeyBank representative confirmed that the bonus offer was attached to my checking account and that I had fulfilled the opening deposit and direct deposit requirements of the offer, but claimed that I also had to make three withdrawals ( either electronically or via debit card ) from the account within 60 days of opening and denied my eligibility for the bonus since I had only made two withdrawals in 60 days. This withdrawal requirement was not mentioned anywhere in the promotion terms provided by KeyBank via mail and on their website, nor was it mentioned in-person when I visited the branch on XX/XX/XXXX. The phone rep filed an appeal with KeyBank on my behalf on XX/XX/XXXX, and called me back on XX/XX/XXXX to inform me that the appeal had been denied. 

KeyBank has failed to honor the terms of their agreement, and, despite acknowledging the fact that I have met all the original requirements, they invented new requirements as justification for refusing to uphold their end of the deal. I have attached to this complaint a screenshot of KeyBank 's web page containing the promotion terms ( which is archived online at https : XXXX : XXXX? XXXX ), an e-mail from KeyBank on XX/XX/XXXX confirming my checking account opening, and bank statements from XX/XX/XXXX through XX/XX/XXXX verifying the aforementioned deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal Fraud I was looking to get money from my work collogues to purchase a XXXX XXXX  Gift Card for someone our work who retiring. On XX/XX/2021, I used my PayPal account to receive over a dozen donations of over {$300.00} that I would then transfer to my personal XXXX account. In the subject line, I put the name of the retiring worker and was not informed that I would need to verify the personal information of a name on the subject line which read, XXXX XXXX retirement- XXXX XXXX Gift Card. 

PayPal took the funds but would not release them to me unless each individual contacted PayPal to verity the retiring workers birthdate. When I called to inquire with PayPal 's supervisor, XXXX XXXX XXXX XXXX, I was told by PayPal this is a government regulation. I asked if I could read this regulation or be told where to find it and they did not have it. I don't have personal information for the retiring worker whose name I put on the subject line and asked if I could use something else. I was then told the money could not be returned or processed unless each person contacts the PayPal 's resolution center. 

Because I am not able to get personal information for a name put on the subject line, such as birthdate, Social Security or Mother 's maiden name for a person that is not part of the transaction, my money is frozen by PayPal and will not be returned or released to me. This is fraud and theft by PayPal. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I have requested validation of an item reported to by MCA Management for a bill associated with XXXX XXXX XXXX XXXX. Instead I received my confidential medical records ( XX/XX/21 ) in response without a prior written release, the third party agency, clearly violating my rights under HIPAA and ( FDCPA ) as the debt was paid in full to XXXX XXXX XXXX XXXX. I am allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization especially as this debt is no longer owed to the original creditor. 
I again reached out to MCA Management to ask them to remove this from my credit report ( XXXX XXXX and XXXX ) however, this debt is still reporting as owed however I do no owe any debt and the debt has not been validated.

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 2021-05-18 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: NC

Complaint narrative:
i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion

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 2021-05-18 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: CO

Complaint narrative:
Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother ) accts XXXX and business acct card XXXX XXXX XXXX ( brother ) XXXX, XXXX and XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX my brother ) also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage division charged us an excessive fee of {$510.00} for a desktop appraisal completed on XX/XX/XXXX, amount corresponding to a full walk-through appraisal. When complained about the type of appraisal performed causing undervaluation of the property and requesting to re-perform a full Walk-through appraisal, Wells Fargo consultant XXXX XXXX XXXX XXXX XXXX expressed on XX/XX/XXXX via email that " if only a desktop appraisal was completed, there indeed is a cost difference and it would be returned to you. '' and denied the option of completing and additional appraisal. 

XXXX XXXX XXXX Wells Fargo Mortgage Sale Supervisor, contacted us on XX/XX/XXXX via phone to inform us that there will not be any fee refund. 

It is our firm belief that Wells Fargo is profiting from over-charging excessive fees to customers and misleading them to believe fair appraisals ( full walk-trough ) are completed on properties, these unfair and deceptive practices caused us not only loosing the fee ( s ) charged but the possibility to complete a business transaction. 

Evidence of all communications is available upon request.

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 2021-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I checked my credit report and I have a negative 28points meaning 28 points subtracted from my XXXX credit score for Capital One it reads a remark is added to your account from Capital One.I called Capital One I was told everything was fine on there end. I called XXXX  XXXX thats the only one reporting this so far XXXX they said it came from Capital One. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I have been making payments on this loan for over 18 months and my balance is even higher than the original loan amount. I didnt realize they are charging me a 59 % interest rate until I did some further diving into the loan details. When I inquired about bringing the interest rate down, I was told this wasnt an option. This is XXXX LENDING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
mortgage company not reporting mortgage to XXXX but the mortgage is reporting on the other two agencies

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