vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
This is a follow up to CFPB Case Number XXXX. Dovenmuehle 's response does not answer the complaint. There response is the {$150.00} fee is non-refundable setup and maintenance fee per the Budget Drafting Agreement. However, multiple phone reps. gave incorrect information to the consumer. How is this in the best interest of the consumer and protecting the consumer? Zero accountability on Dovenmuehle 's side on their error. I will be taking legal action if the {$150.00} set up fee and interest of {$150.00} is not reimbursed to me via check. It is about principle of what is right and making it right for the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: Comerica
State: AL

Complaint narrative:
XX/XX/2020 a company took money out of my bank account and this happened several times and it was companies that I never signed up with but got my account information from some credit score company and my bank XXXX  XXXX would not help me get my money back and left me to try to recover my funds of {$64.00} XXXXand {$59.00} I was finally able to get XXXX XXXX to block a recurring charge but I had to change my account number and get another bank card for my account and also several times the Direct Express service did the same thing to me and I had to pay for expedited service for a new bank card for {$2400.00} several times just to be able to get access to my money and I don't think this is fair. XXXX XXXX  would lock my account because of a {$1.00} charge from my account and yet let some company take {$64.00} and {$59.00} from my account without any questions and then would not help me get my money back and Direct Express service that handles Social security Administration payments never helped me get my money back from companies that I never signed up with from taking money from my account and I finally have to transfer my SSA benefits to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
To explain this concisely- in XXXX I received a random credit card in the mail. When I called I was told it was merely an offer which I later learned was incorrect- as it turns out an existing account had been sold to their company. 

Since that time, they could not locate my XXXX payment and assessed a late fee. Both were later corrected however a second late fee then posted in error on XX/XX/21 and suddenly theyre trying to say that I am a payment behind which is not true. My invoice correctly shows a payment of {$35.00} due however, when I logged on to pay it, it mysteriously indica that {$35.00} was past due was a total due of {$70.00}. Not accurate. 

I have since paid {$35.00} ( for my XXXX payment. ) They have corrected my late fee but today I received a letter from XX/XX/21 ( the date the late fee posted ) that a payment was returned for insufficient funds. This never happened. Totally false. No payment was ever returned for insufficient funds. 

Everyone you get on the phone says something different. I have to start from the beginning each time. No one calls back. A person who isnt on top of their affairs and/or who isnt savvy in handling problematic issues like this would easily fall victim to the myriad of false information presented by this company. Whether their business practices are purposely deceptive or they are just truly inept, there is a huge problem with the way this company does business and it should be looked at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XXXX XXXX I applied for a mortgage loan with Rocket Mortgage also known as quicken loans. Spoke with the loan officer the same night who told us ( myself and my partner ) that he didnt think wed qualify based on the information we submitted. Which was not much. He hadnt run credit yet or anything. I told him to take a second look because I had been previously pre qualified by another company. He then says ok please upload tax forms, w-2s etc. and Ill take a look. So we agreed. The next afternoon I went to upload documents and saw that there was ALREADY a denial in my files. He did not call or anything to tell us at all. The denial said was based off credit scores, which mine was in the XXXX and partners was XXXX. Which are not bad scores at all. And also stated excessive debt and we have NO debt. So I really feel he just didnt want to do the work at all. I explained to someone else from the company who reached out to us to follow up for some reason, the whole story of what happened and he could not apologize enough for the whole situation. Said hed take a look into it and see what happened. I received at least 3 calls a day from them after that about how we actually could qualify. But by that time I was insulted and done with the company. I have supporting documentation to include.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
OneMain financial debited my bank account for {$310.00} on XX/XX/XXXX for a debt I owe when authorization to do so had been revoked back in XX/XX/XXXX. I was laid off last year and could no longer afford this debt, so I discussed with the local branch who agreed to cancel my auto pay. I had credit insurance which was paying this bill until I couldn't prove my unemployment any more because of fraud on my state benefits by a third party. They put me in collections in XXXX even though explained still not working and 3 months later debited my account without permission. When I contacted them, the rep said he saw notes from XXXX even illuminating that they would pay for a stop pay fee back then due to the error. He agreed to refund the money but subsequently hung up on me. When I called back and got the same rep on the phone, he claimed was an accident and that he could not get any of his 5 supervisors on the phone to return my money. Again, they debited my account without permission as I had revoked that access back in XX/XX/XXXX and admitted that he saw that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
I sent a certified letter on XX/XX/2021 to stop mailing me letters and no more contact about this debt via any method since its outside the statue of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is not allowing consumers to freeze or unfreeze credit. Equifax 's site says " We are temporarily unable to complete this request '' and there is no customer service available. People on Equifax 's social media sites have been struggling with this apparenty for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: DE

Complaint narrative:
I am currently seeking assistance in my investigation I am i victim of identity theft. When I turned XXXX I was seeking credit and was shocked to see a credit profile was already created and destroyed and now I have to out my dreams on hold of becoming a business owner because my credit is in shambles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: OH

Complaint narrative:
There were fraudulent charges on my debit card XX/XX/2020, I disputed them with my bank. But Key Bank tried to blame my boyfriend, when I found out the truth they were not interested. They weren't interested in investigating the people who did this, neither were the police. I want them prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Tier Capital, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I was in the process of closing a reverse refinance loan with XXXX when they were notified by HUD that the current company holding my mortgage, Good Life Home Loans, had never insured the loan and that we could therefore not proceed until this loan got insured. Consequently, my file and application was going to be cancelled and closed and I was going to have to go through the grueling process of reapplying all over again. This is so unacceptable that they are causing this major setback, inconvenience, and trouble to put me through this. 

It is beyond my comprehension as to how and why this happened. There is no excuse for someone not doing their job and filing proper documents to get this loan insured or ever making sure it was insured. If I had not applied for a refinance both myself and Good Life would have never known my loan was never insured. This loan closed on XX/XX/XXXX so it has been nearly 6 months with an uninsured loan with Good Life Home Loans. 

After talking to the Good Life company, I was told this would be resolved by the end of the month. I am filing this complaint to make sure this happens as quickly as possible without wasting a lot of my time. Also, I want the owners of this company and all other people to know how incompetent this company was to allow this to happen and make sure no one is expected to endure this kind of situation again. In addition, this is delaying the close of my loan with XXXX by a minimum of 2 weeks which causes me to pay interest that I would NOT be paying had this not happened. As a result of that I believe I should be due a reimbursement for the cost of the interest for the time that is going to accumulate due to the error of this company. 

Finally, I would like to mention that my interaction with your branch manager, XXXX, in the XXXX XXXX office was so incredibly rude, hostile, accusatory, and unprofessional in every way that I will be filing a formal complaint with the XXXX XXXX XXXX to detail that experience and hopefully inform the owners of XXXX XXXX XXXX XXXX and the public, of the gross unprofessionalism and extremely poor handling of this situation by her, who is in the position of branch manager, and should not be.

Company involved in complaint : Good Life Home Loans XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX Date Opened :XX/XX/2020- I have not applied for anything of this magnitude on or around this date. This collection agency is reporting and attempting to collect thnis debt that I am unaware of. They failed to provide me with a copy of theoriginal aplication with my signature. They continue to send me a bill showaing ayments being made. I never opened the account. If the account was opened on XX/XX/2020 they should have this information. I believe someone has used my information and I need ths information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I HAVE CONTACTED BOTH XXXX  AND NAVY FEDERAL CREDIT UNION, IN ADDITION TO THE MORTGAGE COMPANY AS YOU WILL SEE IN THE SUPPLEMENTAL ATTACHMENTS. I HAVE REPEATEDLY ASKED, PLEADED AND EVEN RECENTLY DEMANDED THEY PROVIDE ME WITH ANY AND ALL PAPERWORK THAT CONTAINS MY SIGNATURE/PERSONAL INFORMATION/PERMISSION AS IT PERTAINS TO TRANSACTION PAPERWORK. PLEASE READ THE ATTACHED PAPERWORK THAT DESCRIBES THE ACTIONS, FORGING, COUNTERFEITING AND DEFRAUDING THAT I AM FACING BY THESE COMPANIES CUSTOMER. I CONTINUE TO ASK THAT THEY INVESTIGATE THE REAL ESTATE FRAUD/MORTGAGE FRAUD THAT HAS OCCURED AND THE TENS OF THOUSANDS OF DOLLARS THAT ARE FLOWING IN AND OUT OF THEIR BANK BUT THEY REFUSE. THEY WILL NOT EVEN PROVIDE MY FORGED SIGNATURES. ITS SEEMS CLEAR THAT THEY WOULD RATHER KEEP THE PROFITS OF TRANSACTIONS AND NOT DEAL WITH THE HEADACHE. THE MOST DESPICABLE THING IS THEY CAN NOT EVEN BE BOTHERED TO IDENTIFY AND ISOLATE INSTANCES OF FRAUD THAT ARE EXPLICITLY BROUGHT TO THEIR ATTENTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPay quite frequently. My email ink to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
I sent a wire to pay off my mortgage with Mr. Cooper on XX/XX/21 per instructions I received by email from Mr. Cooper. And they have still not released the lien. 
I called them on XX/XX/21 and spoke with XXXX, she said she emailed the lien release dept. and she would call me back in a week to 10 days. Never heard back from her. 
I called on XX/XX/21 and spoke with XXXX. She also emailed the lien release dept. 
I called on XX/XX/21 and spoke with XXXX. She transferred me to XXXX in the escalation dept. who confirmed that the mortgage was paid off on XX/XX/21, but that the lien had not been released yet. She also emailed the lien release dept. 

In addition to this problem ... I can't even tell you how many times I had to call them to have them correct the additional principal payments that were made. Needless to say, my experience with Mr. Cooper has been frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: BHFC Financial Services INC
State: AZ

Complaint narrative:
BHFC FINCL SRVS is knowing reporting inaccurate information on my credit report. XXXX is allowing them to do it.

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance.

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XX/XX/17 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. XXXX keep allowing this company to report inaccurate information on my credit report.

6. Attached is a copy of this item on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX today I received a notification on my email saying that I had a credit coletor on my credit report when I verified the information shows Southwest Credit System I dont have any account with southwest credit system I wasnt never advised of anything I didnt received anything from them so I dont know who they are why they are reporting something that Im not aware of it and they only think I could see was the amount of XXXX. Im a Texas resident abs I never had anything for XXXX I need to know who is using my information and why I never was contacted and never received anything this is very suspicious

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, EQUIFAX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: PA

Complaint narrative:
I have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. 
I have disputed the account since XXXX of XXXX and provided ( XXXX, XXXX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This Debt is not mine and this debt is old. They keep reporting this old debt on my credit report. This should be removed as this has already been disputed several times with this company. I am requesting a internal investigation and removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Submitted a dispute in XXXX on XX/XX/XXXX for portfolio recovery. I dont have results from XXXX but on XX/XX/2021 Experian reported the disputed item unfairly without investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation