vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I am writing to formally complain about the negligent handling of my home insurance by Rocket Mortgage, which has led to significant financial, coverage, and insurance eligibility issues. 

Background : Home Purchase and Initial Insurance : Purchased a home in XXXX, TN, in XX/XX/XXXX, originally insured by XXXX XXXX as recommended by my agent.Switch to XXXX XXXX : Due to dissatisfaction with XXXX, switched to XXXX XXXX in XX/XX/XXXX. 

This change was properly documented and communicated to Rocket Mortgage, my lender, which acknowledged the switch and paid the XXXX XXXX from my escrow account. 

Unauthorized Renewal with Encompass : In XXXX, following their acquisition, Encompass mistakenly reactivated my policy and informed Rocket Mortgage. Despite knowing about my switch to XXXX, Rocket Mortgage erroneously paid the XXXX XXXX from my escrow account. 

Issue Discovery : In XX/XX/XXXX, discovered my XXXX policy ( despite receiving my renewal ) was canceled due to non-payment because Rocket Mortgage did not pay them due to erroneous payments to XXXX despite numerous confirmed communications of my insurance switch to XXXX. 

Consequences : House Uninsured : The miscommunication and error left my house uninsured. 

Increased Insurance Rates and Cancellation : Facing increased rates due to coverage lapse and previous policy cancellation. 

Blacklisting by XXXX : XXXX has blacklisted my address, preventing me from securing insurance with them again. 

Inadequate Response from Rocket Mortgage : Resolution specialist XXXX XXXX contacted me XX/XX/XXXX Acknowledging a clerical error resulting in the over-insurance, lack of follow up or due dilligence, however, Rocket Mortgage failed to offer a satisfactory solution, merely advising me to find another insurer. 

Complaint Summary : Rocket Mortgage 's negligence in managing my insurance switch has resulted in my home being uninsured, increased insurance rates, and a blacklist from XXXX, causing severe financial and coverage difficulties. 

Their failure to correctly handle payments from my escrow account, despite knowing about my switch to XXXX, constitutes a significant oversight with substantial repercussions for me as a homeowner. 

I request a thorough investigation into this matter and appropriate actions to rectify the financial and coverage losses incurred due to this negligence. 

Including but not limited : Removal from Escrow requirement since the mishandling has led to such high financial cost and burden Increased gap insurance as a result of this clerical error. 
Remove Block from Address and new policy with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent address affidavit on XX/XX/2023 to XXXX to correct my address certified mail and received the return receipt. As of today they have not made any corrections- Please have them to follow the LAW! Who's addresses are these someone must have my personal information PLEASE UPDATE with valid information!!!

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 2024-01-18 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: FL

Complaint narrative:
I have reached out to the following accounts below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my accounts and will correct the credit report accordingly and accurately, also the fraudulent account will be deleted, however, as I reviewed my recent report, the late status are still reporting. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
My billing was set at {$110.00} per month, and whenever I called to terminate the account the XXXX transferred me to their Retention Dept. We would come to agreement to keep the billing at {$110.00} per month ( see statements attached ). However, in XX/XX/2022 billing the amount due was {$200.00} ( see statement ) I called and again they transferred me to Retention and promised to set back to {$110.00}. This time I told Retention I wanted to terminate services I could not waste time calling every six months. I requested return authorization of equipment and sent back ALL equipment by XXXX ( see attached ) See XX/XX/XXXX statement for the final payment I made {$130.00} however they were charging my account far above the amount Retention  and I had agreed. XXXX or Sunrise needs to review the calls made with XXXX Retention ' and STOP making verbal agreements to reduce the billing just to keep customers - false statements were made by Retention Dept . and the Retention Dept never made the adjustments to the account once I told them I was going to terminate.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( 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 then records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian, XXXX and XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX need to remove Late payments

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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: TN

Complaint narrative:
I have been a customer for over 4 years at the XXXX, TN XXXX XXXX and have rented several units during this period. I fell behind on some units during this time and I was offered a pay to vacate which I was told by manager XXXX XXXX ) that her manager gave her permission to offer the pay to vacate to avoid foreclosure of the unit and to allow me to receive my personal property. The pay to vacate avoids additional costs and fees to the company and gives the company back the unit so they may rent it again. I agreed to the pay to vacate at XX/XX/. I removed all the personal property within a 24 hour period and I was told that I would not owe a balance. I moved out of the unit and never heard anything more about the unit at XXXX. I also had another unit at the other location that I rented and I dealt with the same manager. I fell behind on this unit and was given another pay to vacate. After moving out of the final unit I rented from them I received a telephone call from a debt collector. I explained that I do not owe anything and immediately called the manager XXXX. She explained that I owed only {$150.00} and that she would inform her manager to remove from collection and clear the account. I immediately paid the {$150.00} and called back and told the collector that I spoke with the manager and she confirmed that I did not owe anything except the {$150.00} and it will be removed after payment. 
I never heard from anyone else until XXXX, I received a alert on my credit that lowered my credit. Once I checked the report, it was Kinum, INC that had put {$660.00} debt from XXXX XXXX XXXX. I tried to call XXXX at XXXX and she did not answer nor return the phone call. I did speak with the manger XXXX who I recognized from being a customer for so long. She informed me that she would tell XXXX to call due to the not being the one that moved me out but did confirm in her system that I owe {$660.00} at the XXXX location and most recently over {$500.00} at the other location that I most recently moved out of. I asked to speak with her area manager and she promised that XXXX would call back. One week later he has still not returned the phone call after several other attempts to call. I called the debt collector and asked how did it get reported when I disputed the claim and I was told that a verbal dispute was different and they sent a letter to my address and I did not respond within the time allotted. I asked them to prove the debt and at the time he could not and told me that they go off the company 's verification at will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over 30 days. XXXX  for proof. Too different names XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX thats inaccurate please removed this account from transunion & 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 2024-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/year> I received an email from American Express Gift Card. My cousin had gifted me {$300.00} via an american express gift card. 

Multiple attempts at this point have been made to use the gift card at XXXX ( online ), XXXX XXXX XXXX XXXX  ( in below screen shot listed as XXXX ( online ) XXXX XXXX ( in person ), XXXX XXXX  ( in person ) The card is declined each time and incurs a XXXX cent hold. 

When we call Amex they first told us XXXX is not an authorized user. Then they told us to try in person. I've since tried twice in person and when we call back they say the card is active, here is the balance and to just try again. I asked Amex alternatives and they said there is no alternative. 

I found a XXXX  thread with 95 comments regarding this same issue and the inability to use the card. Here is the thread. Someone on that thread mentioned creating a report with you all. 

XXXX XXXX XXXX? XXXX Even no as I look at the card, it is " active '' I just want the ability to utilize the {$300.00} which was meant for a baby gift.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
Finances the car A XXXX XXXX XXXX  to reduce the cost and expense of XXXX XXXX  Fender damaged in XXXX XXXX XXXX XXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XXXX XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation XXXX XXXX XXXX XXXX It was a total lost XX/XX/XXXX a XXXX XXXX XXXX  Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
" I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: GFS II, LLC
State: TX

Complaint narrative:
on XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX via Notary Public sent Registered Mail RA XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for Gateway Financial Solutions the 1st Mailing for Tender of Payment and private administrative process with notarial protest see attached pdf files titled 1 ) 1st Mailing Tender of Payment, 2 ) 2nd Mailing Billing Error and 3 ) 3rd Mailing Certificate of non-response. 

The instrument tender was refused as XXXX XXXX XXXX In-House Counsel for Gateway Financial Solutions responded : " My purported instrument is not a valid form of payment. '' Yet the instrument was not returned. 

On XXXX and XXXX I received letters form XXXX XXXX XXXX In-House Counsel for Gateway Financial Solutions requesting this estate to accept his letter as confirmation of receipt of my documents. Both letters failed to provide the requested certified 3rd party account audit. Both letters claim that I am in default of the terms of the contract. 

The terms of the contract Notices " Any Holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the Debtor shall not exceed amounts paid by the Debtor hereunder. '' My rights as a consumer were violated by XXXX of contract and non response to my Billing Error and request for investigation. According to Consumer law the required notices for permissible purpose was not sent to consumer. Furthermore, 12 CFR 226.13 ( d ) where this statute gives the consumer the right to with hold and collection action is prohibited. Yet, GFS II , LLC dba Gateway Financial soultions continued to report to XXXX XXXX and failed to provide requested information regarding the accounting. 

In XX/XX/XXXX my Consumer report was impacted with GFS II , LLC reporting charged off/written off and did not send corresponding 1099 C. 

On date Notice of Release of Payment mailed Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO/Registered Agent for GFS II , LLC dba Gateway Financial Solutions and a threat of repossession under terms of the contract was mailed to attorney-in-fact and still no evidence for the requested accounting documents. 

I have suffered credit denials, apartment lease denials due to the false, deceptive and malicious practices of Gateway Financial Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
Transunion removed account : XXXX XXXX XXXX ) from my credit report after illegally reporting this account on my credit profile. This prohibited me from obtaining any new lines of credit, and prevented me from obtaining employment.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX XXXXXXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XX/XX/year> which is dated and time stamped.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was a Bank of the West customer with no communication issues, zero difficulty signing on to the app or website, and no late payments. In XXXX, the non-profit organization where I was employed ( for just over five years ) had a catastrophic loss of funding ( due to lingering XXXX related collections issues ) of XXXX XXXX dollars. As a result, XXXX XXXX and XXXX were cut. I was XXXX XXXX from my job. This series of events was very disheartening and financially devastating. 

While I worked to navigate this very challenging situation, I relied on my savings and other income to continue to meet my financial obligations. As these circumstances took an extended period to resolve, I decided that my best ( and most responsible ) course of action was to work with a consumer credit counseling agency. 
The start-up part of the process occurred in XXXX and XXXX, communicating with creditors and reaching agreements to work with me through XXXX. The Bank of the West agreed to participate and further agreed to payments of {$130.00} monthly. Payments were made in XXXX and XXXX. In XXXX, I received a letter from XXXX informing me that BMO had purchased the Bank of the West and that BMO would not work with credit counseling agencies, would not honor agreements made by Bank of the West, and thus had been removed from my CCC monthly plan. Throughout XXXX, I attempted to understand and seek a solution to the problem. I repeatedly contacted BMO and held for extended periods, received inconsistent information, tried to speak with a supervisor, and was told none were available ; the one supervisor I spoke with said that the best plan available would be one requiring me to make three consecutive payments of {$630.00} to bring the account current ( if I could make payments, at this level, I would not have been calling, which I told her ), I requested assistance with the app and website sign-in as I was unable to access either and was told to just use you BOW log-in, I said to them that I no longer had that card and had never received a BMO card. I am also not receiving email or hard copy statements. Still, they could not provide a solution ; I received automated calls, and when I answered, either there was no one on the line or the person on the line was not properly trained and could not assist. When I attempt to sign in on the app or online with my social security number and e-mail ( the same for over 15 years ), I receive an error message saying, XXXX, this information does not match our records. 

Online reviews are staggeringly negative. The XXXX rating is one on a scale of five ( based on XXXX complaints in just Colorado ). Clearly, my experience is not unique.

Company response to consumer: Closed with explanation