vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
To Whom this may concern, It happened again today, ( XX/XX/2021 ) at XXXX XXXX my husband got a call regarding a refinance on our home. Rocket Mortgage calls several times a day and typically he either doesn't answer or he hangs up on them. But because they called at XXXX XXXX, he answered and thought there was a problem in our family. The woman was very aggressive and spoke to him for 52 minutes. My husband is XXXX and does not make financial decisions for our family. He is an easy mark because he gets confused and believes what people tell him. They call daily, even on the weekend some days up to 5 times a day. 

They don't listen to him saying " No '' they just keep calling. I think this is very aggressive sales tactics and Elder Abuse. I have spent half the day talking to him about this sales tactic and he finally admitted that they confuse him. This must stop. Please have Rocket Mortgage stop calling us to refinance. We already have a mortgage through them and that is enough. 

I don't know what else to do but to complain. Please make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC is a third party debt collector. I do not have a contract with them. They fall under the FDCPA. They have been collecting on a debt already paid. They are in violation of 15 U.S. Code 1692e.False or misleading representations and 15 U.S. Code 1692c - Communication in connection with debt collection. They have been reporting false information to consumer reporting agencies without my consent.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my negotiable instrument which is my social social security card pursuant to 15 USC 1602 ( l ) to Creditor XXXX XXXX XXXX XXXX. 
16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2017 a account by the name of capital one ran my credit and issued someone a card i have no knowledge of this account please block and remove this account from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for Citi XXXX card with the offer " spend $ XXXX within 3 month and get XXXX ThankYou points ''. I completed the requirement within the first billing cycle, but the bonus didn't post. I reached out to Citi 's customer service multiple times, but they gave me an excuse saying I closed the same type of account within 24 months so I didn't qualify for the bonus. But the truth is, I closed my previous Citi XXXX card late XX/XX/XXXX, and opened my most recent one on XX/XX/XXXX. This is clearly beyond the 24-month window. When I asked them what the closing date of my previous XXXX card was, they refused to provide the date, knowing that this would only prove my point. I feel very frustrated to be the victim of " bait and switch ''. The application left a hard inquiry on my credit report, and I have to pay {$95.00} annual fee on this new card. I feel I deserve the advertised XXXX points given that I satisfy all the requirements.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'VE REACHED OUT TO TRANSUNION ON XX/XX/21 @ APPROX XXXX. I WAS INQUIRING ABOUT FRAUDULENT INQUIRIES AND ACCOUNTS ON MY REPORT. I SUBMITTED MY POLICE REPORT, DRIVERS LICENSE AND A BILL SHOWING CURRENT ADDRESS TWO WEEKS PRIOR TO THIS CALL TO TRANSUNION. I WAS INFORMED THAT MY POLICE REPORT WASN'T SUFFICIENT IN WHICH I DON'T KNOW WHY BECAUSE I'VE USED THE SAME REPORT WITH ALL THE CREDIT BUREAUS AND NEVER HAD AN ISSUE. I ASKED TO BE TRANSFERRED TO A SUPERVISOR AND WHEN I SPOKE TO THE SUPERVISOR HE WAS VERY RUDE AND THEN PROCEED TO TELL ME THAT MY FTC REPORT THAT WAS UPLOADED ON XX/XX/21 WASN'T SUFFICIENT EVEN AFTER A REPRESENTATIVE INFORMED ME WHAT NEEDED TO BE SUBMITTED. THE SUPERVISOR WAS VERY RUDE AND I HAVE NUMEROUS OF INQUIRIES ON MY REPORT THAT ARE FRAUD AND NEEDS TO BE REMOVED ASAP. ITS OVER 30 FRAUDRULENT INQUIRIES ON MY TRANSUNION 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 explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I overdrafted by {$27.00} they charged me XXXX * XXXX. That's a lot.

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 2021-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX I sent all 3 credit bureaus a request to remove these inquires that I did not make. It has been over 30 days and cant seem to get anywhere disputing without them saying they verified it but I am telling them that I did not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inquiries on my credit report that I am unfamiliar with/fraud and they should be removed because I didn't apply to these creditors : XXXX ( 6 ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN ( 8 ) XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-09-28 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: PNC Bank N.A.
State: SC

Complaint narrative:
I am a XXXX who experienced a financial hardship due to a mandatory decrease in pay by my XXXX  / employer secondary to a decrease in XXXX  XXXX  outside of COVID. I applied for Covid Relief Hardship with PNC on XX/XX/XXXX and again for an extension on XX/XX/XXXX - both of which are notated in their system and confirmed to me by one of their escalation managers on a recorded line ( XXXX XXXX on XX/XX/XXXX ). I was never assessed a late fee until XX/XX/XXXX and the late fee was refunded on XX/XX/XXXX as it was assessed in error. I received an approval letter for the Covid Relief Hardship from PNC dated XX/XX/XXXX. The letter states that the application was approved and no late payments would be reported. Additionally, the account status would show no late payments or be assessed late fees. However, late payments were in fact reported to all three CRAs for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all during the time of the COVID Relief Program. I learned of this after having my credit report pulled on XX/XX/XXXX and saw the " reported delinquencies ''. I have reached out to PNC multiple times since XX/XX/XXXX by phone, email, written correspondence, and in person in a local branch. No resolve is being given and they continue to refer me to additional departments to " handle my complaint ''. Even the local branch can not see a late fee being reported, but does not have the ability to intervene as the company has outsourced most of the departments such as the HELOC Service Line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called Shellpoint Mortgage in XX/XX/XXXX to request a forebearance to avoid negative reporting on my credit due to my continued financial hardship due to COIVD. I was told that I could have a 3 month forebearance and that the process was started right away. It was my understanding that my credit would not be affected. In XXXX, I finally recieved an SBA loan and I was able to get caught up on my payments, and bring my account current, but Shellpoint has reported me 30 days and 60 days late on my credit. Prior to COIVD I had excellent credit with no late payments and made it through XXXX amd XXXX without any late payments until this reporting by Shellpoint. It seems to me that since I was told that I would be given a 3 moth forebearance in XXXX and that I was able to pay my account current at the end of the 3 months that my credit should not be negatively affected. I do not understand why the company would want ot cause this type of harm to someone in such a devisating time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I recently applied for a loan and they stated that my car loan has not been reporting on my XXXX report. I tried calling Ally and they stated that he has been reporting but I am also not seeing it on my 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 2021-09-28 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. XXXX XXXX XXXX violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
fact, I the affiant is aware and have proof that TRANSUNION has and continued to violate my consumer privacy rights. I the affiant observed 19 violations on my consumer credit report. XXXX is and continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed numerous times that's the information was incorrect and should not be on there. I have been injured numerous times from XXXX 's gross, negligent and willful behavior. these injuries include, and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX, and 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 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter requesting information about an alleged debt reporting from IC SYSTEM, INC and I have yet to hear back from them in regards to that. Please look into this matter for me.

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 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CT

Complaint narrative:
I purchase a visa debit card thinking it was a gift card. When attempt to use the cars I found this kind of card was a visa card that can be replenished. When they began to ask personal questions I found it suspicious and at first provided fictional information wondering why they were asking such personal information. Once I determined it was a card that can be replenished I canceled the card and asked for a refund. I spoke to a gentlemen on XX/XX/XXXX named XXXX # XXXX from Netspend Visa. He informed me the card was canceled and I would receive a refund within 10 business days. I waited more then 2 weeks and contacted them.Their response was the check was sent but after further discussion found it was sent to the wrong address. I provided the correct address again and was assured a new check would be issued. I was told to wait 7 business days and if not received contact them. I didnt receive the check called again and spoke to a supervisor. Again assured that in 7 business days I would receive my refund. Waited again 7 business days and again know refund. I want to make note each time I spoke with them I provided the proper address. I again spoke to them and was told by XXXX I will have my refund. On XXXX called and explained I had not received my check and said I will file a complaint. At that time the claim they would issue me my refund I told them I didnt believe them and they were very unprofessional for a banking institution and felt I had know other alternative but to file a complaint. My complaint number isXXXX

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 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2017 a card was opened with Capital One and i did not authorize them to do so i had no knowledge of this account until i checked my credit report i reached out to the creditors as well nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I received a call today ( XX/XX/28 ) stating that they were going to file a claim with my local county, XXXX county. She stated she was looking for me and my location. She called my employer, my mother, my mother in law and me. I have never ever given out the information of my mother nor mother in law. 

They stated they were charging me with three different charges one which included a criminal charge.

I made a few phone calls to lawyers for representation. Then I called back to get more information from the company as I had already set up an appointment with a lawyer for tomorrow. The representative refused to give me a physical address for the company, he simply stated that the law firm was call XXXX XXXX XXXX. 

Later on in the afternoon me and an attorney called the number and he attempted to get more information from the representative which ultimately lead to the man disconnecting the line.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-28 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: IL

Complaint narrative:
The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including Transunion, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
from XX/XX/21 - XX/XX/21 after several attempts to resolve the issue of not receiving an updated credit report. the company stated that the issue was my address was incorrect and was told that the issue would be corrected within 24 hours. i checked on the problem everyday till this day and the issue still havent been solved and im not able to take out any loans due to this.

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