vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
Rocket Mortgage offered me a forbearance in XXXX under COVID Relief. I had no knowledge of the program until they informed me the loan was a VA loan and I eligible. They were aware I was a successor and Executive of the Estate as my sister passed in XX/XX/XXXX. They had approved me as a Successor in XXXX. They spoke with me every month from XXXX, approving me for continuance each month. They gave me a list of options prior to starting the forbearance. At the end I selected the rent being placed at the end of the mortgage. I use this time to make many repairs as I was using the home as a transitional home for XXXX Veterans. When I selected this option, they informed me that they had mistakenly approved me and demanded the 12 months payments in full. At that time it was approximately {$27000.00}, they refused payments demanding full payment and since that time they have tried to foreclosed and increased fees to {$54000.00}. They had the property appraised over 80 % of the value informed me I couldnt short sale because I had too much equity, which was false. I put the house on the market based on their false value from XXXX to XXXX, I couldnt sell its it was overpriced. After debating this appraisal, which no one ever visited to see the property, the sent out s second appraiser in XXXX. The house was only valued at & XXXX compared to their appraisal for {$480000.00}. I disputed the foreclosure in XXXX, but still being charged the fees. They said they would work with me after the second appraisal ; however, they had started the foreclosure and scheduled it for XX/XX/XXXX. Their predatory schemes has caused me pain and suffering. Their mistake will cost my sisters grandchildren to lose their legacy. When I call them, I am being misled snd misinformed. They should honor the agreement that was signed. They have been misleading, misrepresenting policy and unfair. I dont feel like I should lose the property based on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I call and reach out to them and let them know I was hospitalized months after, that was when all my savings ran out and let them know I was sick. I ended up back and forth to the hospital having out patients procedure in XXXX. I had no more money in savings and then I was order 3 more weeks of physical therapy but when all this happened I applied for XXXX. They came on XXXX XXXX XXXX and repo the truck. At this point I talk to a collector and they told me to call back in 48-72 hours later. I did and for me to retrieve my truck back I must pay {$23000.00} to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Received letter from Caliber dated XX/XX/22 stating I had insufficient flood insurance coverage on my mortgage and that I needed to buy additional, or Caliber would buy it and charge me. I called XX/XX/22, spoke to XXXX, explained the situation. She stated she put a note in my file and to disregard the letter. 
Received letter from Caliber dated XX/XX/22 stating second notice same as above. I called XX/XX/22, spoke to XXXX, explained the situation, she agreed with XXXX, said the note must have been in process when the second letter was issued, that the letters should stop and disregard. 
Received letter from Caliber dated XX/XX/22 stating Caliber had purchased {$140000.00} additional flood insurance coverage and would be adding this to my escrow. Called XX/XX/22 spoke to XXXX. She stated additional flood coverage was needed to bring the value up to the same amount as the home owner 's coverage policy. At this point, I realize home owner 's coverage is overstated. Call my insurance agent and ask them to reduce home value on policy. After inaction from insurance agent, report them to Florida Department of XXXX XXXX and finally get results four months later. 
On XX/XX/22, uploaded revised policy to XXXX for Caliber. Caliber reviewed and said no further action necessary. They did not remove the additional coverage. When I try to contact them now it is just an endless loop of automated menu choices, non of which is to speak with a live agent. I then called the main Customer Service number and ask if they can transfer me to a live agent in their insurance department, and every time it goes to the automated loop again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wallet was stolen on XX/XX/22 - XX/XX/22 my debt cards and identification cards were in there.That week my debt cards showed withdrawals of XXXX $ and also there was a fraudulent check being deposited in to my bank for XXXX $ from a branch from some random name I didnt recognize, with transactions from a gas station. I reported this to my bank and made a police report. One of my banks approved ( XXXX XXXX bank ) and the other bank ( Wells Fargo ) declined me for around XXXX $ for the reason of unpressurized information?. Which also charged me the fees. I called back and they explained that this were separate claims and can not be in the same claim so it would not allow me to have a successful claim. Police

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 monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I received a promotional offer from PNC Bank for my VISA credit card. The offer was that if I made {$500.00} in purchases on my new card between XX/XX/2022 and XX/XX/2022 I would receive a {$100.00} credit on my account within 90 days. I made a {$500.00} purchase on XX/XX/2022, but I never received the credit. I called their customer service and was told they didn't show the offer as having been made on my account. They were going to research the issue and get back to me. That was over a month ago and they have not contacted me. I have a copy of the promotional email I received from them with the offer which is attached to this complaint along with a credit card statement showing the purchase made on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling Comenity Capital Bank, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
During the month of XXXX, I had sent a form to get a refund on what I had paid during the months of XXXX or XXXX of this 2022. Not aware that I had used the Capital One Card to pay for a transaction, I thought I used my other bank cards for it. When the last 4 digits was given by the reps at Secretary of State, I compared cards to find out it was on my closed account, credit card that also has a balance. This issue has already been discussed and is in process of the handling between several debt consolidation and of other resolutional sources. Nor did I give any promise to pay or consent to accept such monies to clear debt owed from this refund. The amount was expected to be received by me for other personal use. For the record the consolidation process is currently still ongoing. I tried getting help with issue from both Capital One and the Michigan Secretary of State to NO Avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, has violated my rights. 
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

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 2022-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed a account with Transunion, for collections company XXXX on my credit report. The account was hacked and compromised, I sent a filed FTC identity thief report and Police report. I have tried everything and this complaint is my last hope in fixing this issue. The company is non responsive and Transunion continues to report inaccurate information. Please help. I have attached the FTC identity thief report and Police report.

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 2022-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
I moved last year after i sent out an email stating i wanted to withdrawal from classes at XXXX XXXX. the school sent out my bill to the wrong address and i didnt receive the letter before the dispute date. i had to call or email before XX/XX/22, but i did not receive the letter before that. i talked to iowa central about my email i sent out saying i wanted to withdrawal, but they cant seem to find my email. i need a payment plan that will let me start paying in XXXX next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XXXX of this year, I believe it was XX/XX/XXXX, my bank and PayPal accounts were hacked leaving me with {$0.00}. XXXX XXXXXXXX XXXX, where I have been a customer for over 40 years, replaced the money in a timely fashion. PayPal returned only half because " the transaction appeared legitimate. '' Since someone purporting to be from PayPal initiated contact with me and other reasons, I believe that the XXXX fraudsters actually work for PayPal. 

I tried to pay for groceries this week with funds from PayPal and was told by the grocery delivery company I use that PayPal denied payment. 

Today I received an email from " PayPal '' informing me that my payment to " XXXX '' for {$540.00} was successful. I will not go to the PayPal site nor call them because that's how it started initially. 

There's more, but that's the gist of it. Please, please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I am filing a complaint on Auto Now Financial Services. This company is fraudulent. I purchase a XXXX truck in XXXX of XXXX. I purchased the extended warranty with the vehicle. By XXXX engine had blown..I paid the XXXX deductible, put the car in their shop where it sat for almost three months. They then allowed an outside vendor to do the work on my carwithout even telling me. Then they could not get a hold of the people that had my car to get it back. I was lividand know this can not be legal. They agreed to put me in a new vehicle, which is the car I have now. It is a XXXX XXXX. I have been making payments o this car for about a year of almost XXXX a monthmind you..this car is a XXXX vehicle. I made a payment of XXXX on XX/XX/XXXX which brought me current..and the. On XX/XX/XXXX they pulled another XXXX off my card without my consent. They continue to charge me for a warranty I requested to be cancelled 4 months ago. I. Called today and spoke to XXXX. I wanted to know why I can not access the online portal to make my payments. I advised him that although my account is current .the portal reflects my last payment being made in XXXX.and showed me behind 2 payments. I was told the online portal is being updatedwhich I find hard to believe because I was told the same thing about 4months ago. I told him that I have a right to be able to see my account details including my principal going down on this loan. He hung up in my face. I called right back. He answered the all. I asked for a supervisor and he hung up in my face again. I called again. XXXX answered. I asked for a supervisor. She told me he was in training. WhenI explained to her why Iwas upset and wanted to speak to a supervisor she hung up on me also. I am livid. I have a right to have inwriting where my account stands and the breakdown of my payments and there is no way they should ring business treating people the way they do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
a checking account was opened with TD Bank under my personal information without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is the oldest credit account that I have. I have not used it in a while after having an increase denied. I've kept the account open as a backup and to not negatively effect my overall revolving credit availability. I received an email yesterday that my account was closed due to inactivity. It referenced a notice I was recently sent warning of this occurring. I didn't recall receiving anything. I searched my email, and found a message from XXXX that started with " You have Rewards ... '' so I must have overlooked it and moved on to another email. I operate a number of different businesses and see a lot of emails. I'm not even confident this ended up in my inbox instead of a junk or promotional email folder, but the point is I never saw it, and this was the only attempt to warn me of the account closing. Now my length of credit account and overall revolving credit amount will be negatively effected, which will in turn negatively effect my credit score. A message about account closure should not have been combined with a message about awards ; more than one attempt should have been made to warn me about this possible action ; there should be verification that I received the notice rather than assuming it's been received just because it was sent. I effectively received no notice because the message I did not see the contents of the email about account closure, and now my credit will be negatively effect. I also apparently lost {$320.00} in cash back awards, but I would just prefer the account remains open to reflect the long credit history and credit limit of the account. I tried to call customer service but they say they gave me notice and can't re-open the account. If this is true, there should absolutley be better communication, more of it, and verification. Important notices for other things, like subpoenas or other legal notices, need to be sent certified mail to verify receipt. Some sort of hyperlink to confirm the message had been received does not seem like a stretch of capabilities and for something this serious, there should be some sort of verification and multiple attempts to avoid, not nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report.

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report immediately.

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 2022-08-11 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received this email this morning. I believe it is a scam. 
I can't copy the note, except for this portion : XXXXXXXX XXXX XXXX To : XXXX XXXX : XXXX The claim is that I have subscribed to their service and they are deducting {$330.00} from my account. 
Thank you! 
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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-08-11 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: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation