vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
On XX/XX/2023, we requested a home appraisal for the purpose of obtaining a refinance of our home loan in the amount of {$760.00}. 
XXXXXXXX XXXX denied our application, XXXX XXXX the loan specialist we were working with at XXXX informed me that I paid for the appraisal and it would continue to be good for 90 days and we could try again with another lender. 
We decided to try Rocket Mortgage a try... When we got to the point of needing a home appraisal, we asked for the previous appraisal ( {$220000.00} ) to be transferred.All of the appropriate documents were signed and uploaded onto my RM account on their website. 
We did pay for another appraisal, But transferring the first appraisal would be much quicker and easier. 
RM needs the XML file of the appraisal. XXXX says that they can not send it to them. Should'nt all appropriate and coordinating documents be " transferred '' along with other data? We have been in need of a loan since XXXX and we are still in process!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: NY

Complaint narrative:
On XX/XX/XXXX, I paid off my student loans. I made this in one payment of {$80000.00} and one for {$48000.00}. I then submitted a duplicate {$48000.00} and told them not to process the duplicate. They processed {$120000.00} and I received email confirmation of that. One account of mine was debited for {$80000.00} and the other for {$48000.00}. The payments showed up on my ledger as processed, and also showed that Aidvantage reversed the duplicate payment for {$48000.00}. My ledger went to zero money owed. 

On XX/XX/XXXX, I was informed by Aidvantage that I had successfully paid off all my student loans, in a letter saying, " Congratulations on paying your loans in full. 
We received your final payment on XX/XX/XXXX. '' My ledger showed zero, and I separately received email confirmation they received {$120000.00}. 

On XXXX ( in a letter dated XXXX ) I was informed that a payment of mine was not processed on XX/XX/XXXX ( ten days prior to being informed that my loans were totally paid off ) due to customer revoking authorization for a {$29000.00} payment. However, the full {$120000.00} had been debited from both my accounts, and the {$29000.00} has not been returned to me on XX/XX/XXXX. On XXXX ( in a letter dated XXXX ), I was informed that a payment of mine for {$19000.00} had been returned to me on XX/XX/XXXX. 

On both occasions, NEW entries on the ledger showed up for XX/XX/XXXX showing payment reversal, which NEVER occurred. I NEVER had any money returned to me and my bank accounts were debited for the full sum of my accounts. In fact, the XXXX XXXX account they claim they reversed the payment to was closed the day after payment confirmation was received, so I don't even know how they would have reversed the payment : and they aren't providing any explanation of where they supposedly sent it. 

So Aidvantage has taken the full {$120000.00} from me but is claiming that I still owe {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2023-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I tried a couple of months ago to get the daily APR reduced on my Chase credit card because the fees equaled a monthly credit card payment. No luck. Skip forward to today, I fell behind two months and absorbed a tremendous amount of interest plus late fees. I talked to a service representative on XX/XX/2023 and he got the two months of late fees reversed but he said the request to get the interest fees reversed were declined. I checked my account this morning and found that a little amount of interest had been reversed. I have been told that interest charges can not be reversed or refunded but that is a lie. Chase is one of the worst banks to work with and should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2023 EQUIFAX CREDIT REPORT HAS TWO XXXX ACCOUNT NUMBERS ON PAGES 9 & 10 OF 34 PAGE REPORT. ON PAGE 9, XXXX ACCOUNT NUMBER IS NOT AN ACCOUNT NUMBER ON MY CRDIET CARD. CREIDT LIMIT IS CORRECT. ON PAGE 10, XXXX IS NOT AN ACCOUNT NUMBER ON MY CREDIT CARD. CREDIT LIMIT IS CORRECT. 

CORRECT CREDIT CARD NUMBERS XXXX XXXX  ) SHOULD APPEAR ON CREDIT REPORT. 

DID SOMEONE MIX UP MY XXXX XXXX CARD NUMBER WITH SOMEONE ELSE? 
I'VE NEVER BEEN PAST DUE. I PAY OFF ALL CREDIT CARDS, OTHER BILLS EVERY MONTH, ALSO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a series of emails associated with NAVY FEDERAL CREDIT UNION that indicated an account in my name had been opened, 2-factor authentication was enabled using my email address, and a card was on its way. I forwarded the first 2 email to as address listed on the ban 's website ( XXXX ). I called the ask twice to alert them to this activity. On the first call, the operator asked for my social security number, which I refused to give. On the second call, the operator offered to connect me to the fraud department ; once connected, an automated announcement said it would take 25 minutes to speak to a human. 

I have never requested to do business with NAVY FEDERAL CREDIT UNION at any time, have never authorize them to open an account, and have never given them permission to check my credit or use my social security number. The emails form this organization claim that it is federally insured by NCUA.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
tried several times to open an account using their web application of CITI bank. I am opening a checkings account. I kept getting a rejection. 
I was asked to call and have a person directly open the account which I did. I received a welcome package for my account. After filling out the verification forms for my account I got no other word from the bank. I decided to call the bank to find out what is going on with the account only for them to tell me that the bank account has been set for closure without providing me any further information. I would like to get some explanation for this behavior but I am convinced this is because I am of XXXX nationality because I know my credit score is Excellent

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 2023-09-07 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
5. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 

I told the Experian, XXXX, and XXXX to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro XXXX credit reporting. I have evidence to prove my case.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I applied of this card on, When signing up I typed in my po box for my mailing address, and I also put my physical address for the portion where I was required to do so. 

I never received the card, and called about 3 weeks after applying and they said they would send a new card, and I never got it. 

I a called 2 weeks later, and then a week later about the card. 

Then they stated they sent the card to my home address but via my application and my chat messages which I have screenshots of I explained to them, my home address is an apartment, and someone has been stealing mail. 

So I opted to send the card to my po box , and every time I check on the card they keep saying its been sent to my home address. 

However I have informed delivery, which shows you the mail you have coming to your house and at no point and time have I received a notification from them about my a card from this company. 

I applied for others cards, from a company that was recently absorbed and turned into what is now called XXXXXXXX XXXX, so because I never received this card, and the other company I applied for was absorbed I thought it all became one entity. 

I believed that to be the case, because they all use XXXX XXXX, so I thought it was a company wide change. 

Long story short both this card and the other company were reporting a balanced owed on cards I never received. 

From my understanding which I could be wrong is that you have to activate your cards before they can appear on your credit report, and neither company explicitly state that they are essentially secure cards, on their site nor the XXXX XXXX app which is false advertising. 

In addition to that it took basically two months, I have yet to receive my card but its reporting on my credit as if it is activated already. 

Long story short 1. I need them to send the card via the mailing method I gave them. 
2. Their app freezes, and employees prematurely disconnect mid conversation 3. The phone reps are just as terrible, and hang up mid conversations 4. They have no record of prior emails or phone call supposedly 5. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: KY

Complaint narrative:
IQ Data Int'l received a debt collection from an apartment complex in Arizona, in which my daughter resided. I had retained counsel to get out of the lease and the apartment complex sent a collection in the amount of {$5500.00} for early termination of a lease. They subsequently sent it to IQ Data Int'l who then tried collecting the above debt. I hired another attorney and a settlement agreement was signed on XX/XX/2023 holding me harmless of any of the debt mentioned above and in said settlement ( attached to this complaint ) on page 2 they were to remove this from my credit report within 30 days of the XX/XX/2023 agreement. Well, it's not removed and IQ Data Int'l will not talk to me ( they have hung up on me twice ) and state that they will only talk to my attorney ( which is costly ), and they refuse to remove it from my credit report. 

This is affecting my licensing renewals in two state within the XXXX XXXX, and they are costing me money every time I talk to and/or email my attorney. This is ludicrous and I need assistance asap as I am now losing income as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I want to the original contract if my loan provided or this to be removed off my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following hard inquiries were submitted to my credit report. 

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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The following hard inquiries were submitted to my credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At the beginning of XXXX I lost my job. I immediately applied for the forbearance program with my mortgage company Wells Fargo. During the intake call I was asked if this was COVID related. I said no because I thought they were asking if I had COVID and that is why I lost my job. I was enrolled in their forbearance program ( non-Covid- Cares Act ). I remained continuously in the forbearance program until Wells Fargo until they sold my mortgage to XXXX XXXX in XXXX. Once the mortgage was transferred Wells Fargo reported my mortgage as 90 days delinquent. This reduced my credit score from XXXX to XXXX. I immediately contacted Wells Fargo executive office. They conducted an investigation and concluded that the delinquent credit reporting was correct because my forbearance didnt fall under the Cares Act. Then I contacted my attorney and explained the situation. He explained to me that my forbearance was covered under the Cares Act since my job loss was related to Covid due to a loss of business which was related to Covid which in turn eliminated my position. Then I contacted Wells Fargo executive office with this new information. They started another investigation and concluded that the delinquent credit reporting was accurate since I didnt initially claim the job loss was due to Covid. 
Due to my lack of understanding of the initial question regarding Covid during a traumatic and stressful time in my life, I would like my forbearance program reclassified under the Cares Act Forbearance program and the negative credit reporting about the account being 90 days delinquent removed from all of the credit bureaus As a side note my VA XXXX was increased to 100 % in XXXX. In XXXX I was able to bring my mortgage completely up to date and it continues to be up to date. I have stellar credit never missing any kind of payment.

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 2023-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: GA

Complaint narrative:
I purchased a product through an online merchant and used ZIP for a 4-month installment payment plan. The merchant did not have the product I purchased, so the merchant canceled the product, and ZIP refunded my initial payment. Unfortunately, the merchant placed my order a second time without my authorization after the initial cancelation and ZIP immediately charged me again. The merchant canceled the second order a week later and indicated it was their mistake. However, ZIP continued to take payments out even though the merchant canceled the erroneous second order and I never received any goods from the merchant. The second cancelation occurred on XX/XX/2023, and as of the date of this complaint, ZIP has refused to refund my payments and actually debited a third payment to my credit card this past weekend. I have called ZIP multiple times, as well as communicated with them both through email and text. ZIP keeps claiming they are escalating the issues and investigating the cancelation with the merchant even thought I have sent them proof of the cancelation. ZIP has three ( 3 ) charges totaling over {$1300.00} on my credit card that I need to be refunded and they continue to give me excuses and delay any refund.

Company response to consumer: Closed with explanation