vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I was chatting to a motgage broker. when I told him what i did for a living, he told me he could not do a mortgage. he pulled my credit anyway without directly telling me he would do so. I want the inquiry removed. I did not authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
I owed US Bank approximately {$600.00} on a closed account and approximately {$820.00} on another closed account. On XX/XX/21 I paid both these amounts in full over the phone, I used my current XXXX XXXX XXXX account. In the next few days they charged me twice on each amount leaving me with no money for rent, when I called they said it was my fault and I over paid, this was not true I only paid once while on the phone with them. They said my return could take weeks but they would issue me a check. Then I find out my wife 's account was charged {$600.00} as well, this means her money was stolen by US Bank, she filed a complaint with her Credit Union and said this was fraudulent because it is. That means they charged {$600.00} three times instead of once. Please help us. US Bank stole thousands from us leaving us with no money for Rent or food. The total they stole was {$2000.00}.

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 2021-10-15 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: TX

Complaint narrative:
I recently checked my credit reports and I saw so many inaccuracies that do not match the records I have been keeping for several years. I noticed accounts that are reporting late payments and I have never been late on any payments. I also noticed accounts that were considered charged off or written off on taxes of these companies are still reporting late payments unethically.

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 2021-10-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit reports and I saw so many inaccuracies that do not match the records I have been keeping for several years. I noticed accounts that are reporting late payments and I have never been late on any payments. I also noticed accounts that were considered charged off or written off on taxes of these companies are still reporting late payments unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 

XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL 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 2021-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion decreased my credit score by 57 points after I notified them that they still had a balance on a account I had paid off about two months ago. Instead of increasing my crefit score they decrease it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GreenSky, LLC
State: WI

Complaint narrative:
We entered into a contract with a window company on XX/XX/2021. GreenSKy was the finance company they used. We were qualified and put a down payment of {$3600.00} on Green Sky account and {$4500.00} our XXXX rewards CC.

The remainder was to charged per contract upon 1 ) completion of job 2 ) full inspection with customer 3 ) formal consumer approval 100 % satisfaction per contract language. 

On XX/XX/2021 the final amount XXXX was charged to our Green Sky account. The job was not completed and as of today, XX/XX/2021 we have no windows. 

After numerous phone calls to the window company and also GreenSky that amount was finally credited back on XX/XX/2021. 

After this happened we did a lot of investigating, We contacted the XXXX  and XXXX and both have a file of complaints with this window company and also with GreenSky. 

After months of being told that the windows are not done and the manufacturer was behind, we contacted that manufacturer to find out that our windows had been done since the end of XXXX. They even sent us pictures of our windows sitting in their warehouse. The window company owed them money and they had many many orders basically being held hostage until they paid their debt. 

At this point both the XXXX  and XXXX sent a letter to the window company asking for our down payments back and out of the contract. He did not respond to them. We also disputed the down payments with both credit companies. 

GreenSky did take the {$3600.00} off. Our statement on XX/XX/2021 showed a XXXX balance at which time we closed our XXXX account and received a letter stating it was closed.. Today we were notified that they, GreenSky reopened our account, without our approval and put that amount back on stating that the window company had receipts showing the money they have spent on our windows.

Seven months since signing the contract we have no windows. We have been lied to, our money was taken without our approval. Our windows were also ordered incorrect and according to the manufacturer were reordered 5 weeks ago, they are still not made and in a cue according to time stamp.

We are GreenSky 's customer they have not defended us but backed the window company. We also know from the XXXX in Wisconsin we are not the only one Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
I submitted to do an application with Heights Finance at XXXX XXXX XXXX XXXX, WI. I submitted an application the beginning of XX/XX/2021. I submitted a credit application over the phone with the employee, had a hard inquiry done. After I submitted all my information and was told I would hear back soon, I got a phone call stating that because my husband is currently an active military member I was unable to have access to any loans. I disputed this as I am the spouse and applied just in my name, with my own income and capacity to be lent to. I was told that did not matter, if any member of my household is XXXX XXXX I would be unable to do a loan. I called back in XXXX seeking a loan because my husband was home from the XXXX and was no longer XXXX XXXX, but XXXX XXXX. I was told again we would be denied because he is in the XXXX XXXX XXXX  they are prohibited from lending to any military member. I disputed this then got a call later from them stating I could risk having my credit pulled but if it showed XXXX XXXX then I would be denied. I was 100 % denied in XXXX and prescreened in XXXX for being a military family. I work in lending at the largest loan lender in the US. I am aware of XXXX and laws and regulations. I was NOT denied due to my credit standings, budget, etc. 
In XXXX it was simply XXXX XXXX spouse, and in XXXX I never went through with an inquiry because I was prescreened that I would be denied if he was still active. They first tried to deny because he is XXXX XXXX. But I disputed. They had no real knowledge of any military terms but only they were told by their District Manager that any military member is automatically declined. I got the opinion Heights Finance does not train their employees well in lending laws. 
To the best of my knowledge this is not OK to deny simply because of XXXX XXXX status. Please investigate to prevent others from being denied opportunities they should be entitled to. I do not understand how a company can flat out deny a military family member access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Corporate Office Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX RE : Accunt # XXXX ; CASH STORE-XXXX, TEXASXX/XX/XXXXAttn : VP-Corporate Collections, I am writing to notify you of my request for a Consumer Affairs investigation by the Attorney General of Texas Consumer Affairs Division . I took out a loan and records indicate the payments are not being processed as requested on XX/XX/2021. Please contact the XXXX XXXX XXXX location to correct this issue. I will not refinance a loan unless you provide documents indicating I made no errors in my loan processing/etc. Payments can be made with my credit card or checking account as previously requested. 



You can have someone from corporate contact me at the address/number listed above. This is the second time an error of this nature has occurred regarding a loan. A VP from Corporate call a few years ago to resolve the issue last time. The XXXX XXXX called on XX/XX/2021 and said I refused to make a payment on XX/XX/2021 by credit card. I dispute this statement. My {$1200.00} overdraft protection status at Texas XXXX XXXX is in place. I am waiting on a call back from Corporate. I spoke to three employees regarding noting the account about my concerns. I am not interested in refinancing a loan. Enclosed is a payment for {$370.00} dated XX/XX/2021. I want all future payments to be process as promised on the debit card until paid in full. 



The Cash Store call during the week of the high school shooting in XXXX, Texas ; however, as an XXXX employee I was not able to respond to any calls. I understand the bank approved the payment and you will process all other payments. I will do my best to pay this account off early. But, I will not return to your store locations. The employee I spoke to in collections surprised me by claiming no managers are available to speak to customers. Then, I was told corporate has no communication with store managers. Wow!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a traditional IRA savings account at Ally Bank. I have been trying to transfer some of these funds to a traditional IRA at another institution for weeks. Ally personnel have been consistently disorganized, kept poor records of my previous conversations with other Ally personnel, unhelpful and inconsistent in their instructions regarding transfer instructions, and, at times, overtly obstructive. Multiple calls with them have been placed on extended ( >30 min ) holds after initial verification of my identity and some disconnected without warning. With assistance from the other institution, I have sent several written requests for this transfer, including most recently, an " ink signed '' version sent overnight to the address Ally provided. They still have not transferred the funds!

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 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
In XXXX of XXXX, I closed on a brand new home financed by Homepoint Financial. In XXXX of XXXX, I received an escrow analysis showing a Forced placed insurance charge of close to {$6500.00} dollars. This forced placed insurance was incorrectly placed on my account, as I had insurance at the time of close and was able to obtain proof of insurance for XXXX to XXXX. Since XXXX of XXXX, I have been working with Homepoint to get this charge removed from my escrow account. I have submit proof of insurance close to 10 times, called in weekly and sometimes daily, spent countless hours on hold, spoken to over 10 representatives and have had to explain myself to them every single time I call in. The forced placed insurance charge has caused my monthly payment to increase by over {$350.00} for every month since XXXX. Homepoint has made no effort to resolve this. I have sent in emails, written notices of error, spoken to directors and insurance department alike. I feel I have done my part to resolve this as this issue is between the insurance company and Homepoint financial. I have paid my insurance and have paid my mortgage, yet the ridiculous charge of {$6500.00} has only been partially refunded and still reflects a charge of over {$4000.00} without reason. Many agents have stated verbally that they see the error, yet nothing has been done to fix it. One agent even stated I was charged 2 forced placed insurance charges but have not been refunded. Homepoint is purposely being negligent to prevent my mortgage payment from returning to its original amount of about {$1500.00}. My current payment is $ XXXX Through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
Hello, My name is XXXX and I am a XXXX XXXX owner. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX  bills on time and in most cases early, which I have proof of. My problem with XXXX and the other credit reporting companies and credit card companies is that they DO NOT separate XXXX XXXX  credit/history with the XXXX XXXX XXXX  personal credit. For example : I have five XXXX credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't XXXX and the others have a XXXX  credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the XXXX XXXX must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my business XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Mortgage servicer sought feedback regarding their service via a survey. My response, which was generally negative, pointed out, that, XXXX XXXX, the prior servicer/lender supplied machine-readable copies of monthly statements on their web site, but current servicer does not. Servicer called late in the day, on the XXXX of the month, leaving a message instructing me to return the call at my earliest convenience, but without providing an extension or any indication of why they called. Of course, a call from a mortgage servicer on the XXXX of the month was disturbing because it raised the specter of some problem with the monthly payment on a date too late for timely resolution. When I called, after going through two XXXX phone trees where substantially the same options were mentioned, I reached an agent, who told me that the reason for the call related to the the statement availability issue I mentioned in the survey. The agent mischaracterized the practice of the prior servicer ( referring to " coupons '' ), and then proceeded to say the statements were available. But the statements are not available, unless borrower submits to the servicer 's coercion to forego monthly mailed statements, which I have not.

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 2021-10-15 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to close a Santander Bank Credit Card Account, But Santander Bank is not willing to do so. Even though I do not currently have any outstanding balance with them.

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 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2021 I was notified by email that my savings and spending account was being closed they did not disclose a reason. I use my chime account for my direct deposit and I also gamble legally through XXXX, XXXX XXXX, and XXXX XXXX. I withdrawal from the betting apps into my XXXX  then from XXXX directly to my Chime Banking account. I am not sure if that is why my account got closed but I have over {$9000.00} in my chime account that i do not have access to. I am writing this complaint so I can get the money that is rightfully mine back in my possession. On XX/XX/2021 I tried to call Chime support but could not talk to a live person. There is no function for that. I also called the XXXX customer service number and they transferred me right to chime. I also emailed chime and I am only getting automated responses back. I am attaching all of my deposits from XXXX where it shows I got the money legally and legitimately through online gambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The only debt I have is a new federal student loan. Portfolio Recovery LLC has continues to call my number from various numbers despite not owning anyone debt. The calls themselves are harrassing since they never leave a voicemail and sometimes call repeatedly in one day.

Company response to consumer: Closed with non-monetary relief