vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Complaint XXXX was submitted XX/XX/2020 by the attorney for XXXX XXXX and XXXX XXXX. Quicken loans did not adequately respond to the issues involved. Quicken has been violating both State and Federal Laws without any consequences. The response they sent was that they refused to deal with a duly licensed attorney in this matter. Part of the issue in brokering this loan was going around the attorney of record and strong-arming the client to execute documents. Quicken denied legal counsel to the borrower. They incorrectly applied the deposit on the loan. Took money that was not owed and XXXX XXXX. Quicken has violated 18 USC 134, 18 USC 1343, 18 USC 96, as well as a litany of laws related to money laundering. The letter sent to the CFPB in response was in adequate. Quicken merely stated that XXXX XXXX XXXX attorney-at-law ) was not listed on the documents. XXXX XXXX XXXX is the attorney-at-law and in-fact for both XXXX XXXX and XXXX XXXX. They must respond to the substantive issues. 

Also, Quicken sold the loan. If Quicken did not disclose to the buyer the fact that the loan amount was in dispute, many other laws were violated. Quicken would be subject to securities fraud statutes, and the loan does not qualify for sale treatment under FASB rules. As a result Quicken 's financial statements must reflect the liability or it has filed fraudulent statements with the SEC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Saturday XX/XX/2020 I had receive a phone call from the bank about a transaction at XXXX. Someone took XXXX out my account. I called the bank back and informed them that it was not me I was out of town that day so they mailed me a new card in the mail. On Sunday XXXX XXXX I seen that another XXXX was withdrawn I was still out of town I called the bank filed another claim. I got a respond to my claim when I had called the bank a few days later they stated that they denied the claim. I asked what reason they told me video footage. I ask the how can that be when I was out of town. They told me I can file a rebuttal. So I sent flight information as well as my photo ID they denied the rebuttals due to inconsistency. I asked them what inconsistency where there. No one could provide me with a answer. And they stated there is nothing else I could do.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In XXXX I opened a Citi Double Points credit card. XXXX. On XX/XX/XXXX. I received an email from Citi Double Cash Card offering 25 % more cashback if I opened a Citi Accelerate Savings Account. I contacted City and open City Accelerate XXXX Account. XXXX. I contacted City and they were supposed to link my new Accelerate Savings account to my City Double Points account. That never happened. I never received the 25 % bonus. I contacted Citi and was unable to reach anyone, they kept referring me to different departments until I was hung up on. After receiving my XXXX statement, I again tried today, XX/XX/XXXX to contact Citi as I have still not received my bonus cashback. Today, I again I started with their messaging service only to be referred to the different chat people in the messaging program and was ultimately told they could not help me, but to call " One Stop Sales Unit '' at XXXX, which I called, as they could not contact me directly. It was extremely difficult to get out of the automated call system but I was ultimately able to speak to a representative. The representative told me that she could not help me because it was a credit card number. I asked to talk to the supervisor so that I could explain the problem as the credit card division told me to call them. In that process, I was hung up on. I tried to call the number on the back of the credit card in hopes that I could reach someone, but that program only dealt with changing reservations. ( Apparently, If I had lost my card, which I have not, I would not know who to call or contact, as the number does not work for lost cards or issues with one 's account. ) Please help me get my additional cashback bonus. I am sure that others are having the same problem.

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 2020-11-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute over a faulty product with my bank. I paid for a new screen for my XXXX. I brought it home and when I tried to use it, the a crack showed up on the screen. It was a defective product so I filed the dispute. Chase contacted me and said I won the disput and that the temporary reversal of funds would be permanent. I then went to XXXX where a month later all my money was taken from my account with no notice and Im stranded here with no money. Chase has not fixed this issue and this has caused me loss of safety in another country and fee for other bills not being paid. 

Chase said the merchant proved they provided a service. So they sold me a new XXXX screen which had a crack in it and the paperwork saying the sold it to me was enough? The service they sold me was defective. It never received a working XXXX  screen yet you overdraw my account because they said we provided a service. I called and told them I have photos of the XXXX  with they merchants temporarily screen cover still attached. What other proof do I need?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

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 2020-11-02 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: FL

Complaint narrative:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I sent a wire to an account holder at TD bank I have sent a similar wire to TD bank using the identical information on 10 other occasions without any incident. 

On XX/XX/2020 TD bank sent a return wire to me of the original amount less a {$40.00} fee When I inquired as to why my wire was not accepted, TD bank would not assist. They would not even investigate my concern. 

When I inquired why TD bank charged a fee on my wire they acknowledged they likely charged a fee but refused to advise why. The {$40.00} fee was charged by TD bank and not my bank. 

When I asked for this to be escalated to a manager, the online phone representative who would only identify herself as " XXXX '' refused to escalate this. When requested, she would not provide any other identifying information about her name or the call number. " XXXX '' did state she checked with her supervisor who refused to get on the phone but directed my to a local branch to log a complaint when I expressed my concern about being sent to a branch in the midst of Covid-19, XXXX expressed indifference and again refused to assist in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP
State: CA

Complaint narrative:
went to US Bank XXXX XXXX XXXX, XXXX XXXX CA XXXX Teller can't do cash advance on direct benefits card. 
She stated " machine broken '' This is not acceptable.

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 2020-11-02 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: GA

Complaint narrative:
My paypal account was put on account limitation during covid. Paypal had no type of human being interaction while my account was on hold, only automated. I called and emailed plenty of times and received no response. Money was sent to me for health care and to pay rent and to pay other bills. It was XXXX and I desperately needed the money and couldn't get it because paypal put my money on hold. I feel it is disgusting for paypal to hold my money during a pandemic with no explanation and when I asked they told me I needed to get a subpoena from the court in order to see why. I went on paypal business pages on social media and many people were complaining about the same exact thing, please look into the issues of others complaining about paypal holding funds illegaly. I've had paypal for 16 years and never had issues with them, I love paypal and now during a pandemic they hold everyones money for no reason and no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX  several times regarding inaccurate account information. I have a balance of XXXX reporting on my credit report from a company by the name of Sequium Asset solution, a company that my information was sold too. I canceled my service with XXXX XXXX XXXX XX/XX/2019 due to the service not working properly. On two occasions a technician came out to repair the problem but was unsuccessful at doing so. Im being charge for a month that I was without service. I also returned my equipment via XXXX and that charge is still reflecting on my on my account as not returned. After canceling my service in XXXX, XXXX XXXX XXXX tried collect a payment from my bank account XX/XX/XXXX which was not authorized. I would like further investigation on my account and for the amount owed to be adjusted and waved due to the service not working properly and inconvenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Hi I got a letter from collections for a service at XXXX  XXXX  then I contact my insurance about uncovered medical expenses. 
After so many days I got letter from collection s that says I owe {$190.00} for the services I received on XX/XX/2019. I have communicated with my provider and insurance and thought the issue will be taken care after multiple follow ups with them. 
But the issue was not resolved from insurance and provider then I have paid that medical debt from my pocket but still the collections opened an account that effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible.

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 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
A collection account opened on XX/XX/2020 with nationwide recovery systems for XXXX XXXX XXXX XXXX for the amount of {$260.00} was reported to my credit report for collection. I reached out to the 3 reporting bureaus asking to validate the debt. It came back as a valid verified debt with XXXX. The amount requested for the XXXX XXXX group does not belong to me. I do not have access to the full account number for the collection being placed in my name. I would like significant proof the services I'm being charged for belong to me. A type of date of the office visit, account number, verification of insurance information submitted. I have not received any statement from my health insurance provider. Please respond back with documents requested to my address you have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: ID Analytics, Inc.
State: FL

Complaint narrative:
There are numerous inquiries listed on my report that was not initiated by me along with a bankruptcy that is not unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NC

Complaint narrative:
I have disputed this account and have received 4 different payment histories for investigations on XX/XX/XXXX I received a different payment history that says I made payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX. Previously I had a different payment history that stated I made payment on XX/XX/XXXX and I did not make payments on XX/XX/XXXX or XX/XX/XXXX. The information furnisher for the investigation on XX/XX/XXXX was a completely different stating payment was received on XX/XX/XXXX states payment history of payment made on XX/XX/XXXX but not XX/XX/XXXX. I have had a total of 4 different payment histories from this furnisher and fail to believe the account is accurate and complete. The also say individual and joint.

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 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
After several attempts of debt validation dating back XX/XX/XXXX and most recently XX/XX/XXXX. This company refuses to send the documentation as I requested. They continue to send me letters to settle the debt instead of validating NOT verifying the debt as requested. They even verified with the credit bureau but will not explain to me or send to me the documents sent to them to validate the debt. They completely ignore my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Amazon.com is forcing us to use their credit cards. Says i applied for a credit card they are endorsing online. I did not. Next thing I know I am getting bills in the mail from amazon.com endorsed synchrony bank. Amazon accused me of applying. I did not. We only want our own credit card to be used on the amazon website. 

Amazon will not retro charge. Dealing with synchro bank legitimizes their fraud and Amazon supports them and feels no fiduciary responsibility to listen to me when I tell them that I am fraudulently being forced to work with a bank that I never applied for a credit card for. 

Furthermore, they do not give us information on their transaction letter of how to cancel the card. When I informed synchrony that we did not apply for their credit card, they disregarded my red flag and only cared about paying a {$68.00} charge ( which should have gone to my credit card ) and gave us no recourse to report and cancel the fraud. They won't even help us report and cancel the fraud. Their billing statement offer no recourse to report the fraudulent account. 
I expect more from Amazon then this. I believe Amazon is forcing customers to use their endorsed credit cards while making it extremely difficult to leave entrapment.

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 2020-11-02 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: FL

Complaint narrative:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.

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 2020-11-02 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: ID Analytics, Inc.
State: FL

Complaint narrative:
There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
I made a payment to my second mortgage account at First First Financial Bank  on XX/XX/2020. That payment was due on the XXXX of XXXX. The teller who took the payment did not apply the payment to my account. 

I noticed the error when I received the next months statement. I sent a notice of error letter to First Financial Bank, to the address listed on the back of the statement, and I requested they correct the error to include correcting the interest charged. 

I received a letter from First Financial dated XX/XX/2020 stating they had " addressed '' my concerns regarding the account. 

When I received my XXXX statement I noticed they not corrected the interest charge. Rather than reducing the interest they more than doubled what I should have paid. 

I have had numerous problems with this bank. I hope that by filing this complaint I can not only resolve this issue but also warn other consumers about how absolutely corrupt this bank is.

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