vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-17 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: Express Recovery Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, EXPRESS RECOVERY SER add a collection on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
XX/XX/2020 - Received a call nearly every day from Quicken and finally decided to pick up on this day to get them to stop calling and spoke with an 'Associate Banker '. He shared with us new rates and discussed a possible refinance. 
XXXX - XX/XX/2020 - Did our due diligence and shopped around with multiple lenders to compare rates and products XX/XX/2020 - Came to an agreement with Quicken and received an 'Interest Rate Disclosure - ( Locked Rate Version ) ' with a loan estimate showing a 30-year conventional at 2.99 % with 0.75 % points for our Cash-out refinance. Acknowledged this agreement through their online portal. 
XX/XX/2020 - Signed and provided all necessary documentation through their online portal XX/XX/2020 - Contacted our 'Associate Banker ' asking for status of closing and if there were any issues. He passed us on to the Client Care Specialist team, heard no issues. 
XX/XX/2020 - Received appraisal for expected value of home. 
XX/XX/2020 - Received new Interest Rate Disclosure package increasing closing costs nearly {$25000.00} with no explanation XX/XX/2020 - Contacted Quicken requesting why our costs changed so much XX/XX/2020 - Received a call from a 'Solution Consultant ', explained the situation and he said there was an issue with the pricing we had previously locked in. He said he would get back to us by the end of the week. 
XX/XX/2020 - Solution Consultant emailed us and said he was working with senior leadership and would know more information Monday XX/XX/2020 - Received a new Interest Rate Disclosure package bringing down the closing costs, but still nearly {$7000.00} different from our original locked in agreement. 
Received a call from a Director of Solution Consultants. She said there was an internal error and that they wouldn't be able to give us our original locked in agreement, the 2 % discount points was the lowest she was able to go. 
We got a quote from a competitor and asked if they could meet us halfway and at least match that and bring the discount points to 1.197 %, they said no. 
We researched on their website and found their policy states that these origination fees are in the XXXX tolerance category and can not change, if they do change the lender is liable for the difference. We asked them how they can disregard that policy and they replied with " We are not able to cover anything additional at this time. Im sorry that the wrong expectations were set originally. Ive attempted to cover as much as possible for you. The best offer that we have is what I went over with you and your spouse. '' They then passed us on to their Executive team and we have not heard anything from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NY

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I had a 30 year mortgage with United Wholesale Mortgage and recently refinanced to a 15 year mortgage with the same company. In mid XXXX I received bills for both 15 and 30 year mortgages. I called United wholesale mortgage and was reassured that the 30 year mortgage would drop off and not to worry about it. On XX/XX/XXXX, the first date a payment was due for the 15 year mortgage, United wholesale mortgage deducted an auto pay for both the 15 and 30 year mortgages, despite there only being one house in existence. I called them on XX/XX/XXXX to inform them of their error. I contacted the title company that same day and sent them proof of the wire transfer that had been made to United Wholesale Mortgage and which had been received. I have called several times to fix this issue but I have not received any word from the company nor have I received my money that they took from me. I am owed {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: MO

Complaint narrative:
This {$640.00}. amount in collections from a past rental lease in 2015 was never owed. 
I lost my job in XXXX. The lease, when terminated, was current. The apartment complex kept the full security deposit. When vacating the apartment, the manager said I was paid in full. The check-out form was signed by myself and the apartment manger. This form was kept by the apartment complex. I have asked RentDebt for a copy of the final form and they have refused to comply with my request. 
The debt is not and was never owed. 
This collection amount should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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:
I started an application for a refinance of a loan with Rocket Mortgage around the first of XX/XX/XXXX. They ran credit I paid for the home appraisal and they said it should close at the end of XXXX. They then asked me to prove I am still in business. I provided two bank statements 3 weeks apart. Now it is XXXX and about the third week of XXXX they told me they had to run another credit check. I have been in business since XXXX. Why would I refinance with the same company only to default??? 

Now it is XXXX. They took my credit from an excellent XXXX to XXXX after they ran the credit, my report said too many credit requests ... .They made me look like I am trying to get money all over town. 

I don't know about you but my credit rating is very important to me and after that happened I told the processor I am done with this process ... too long to wait. It was the end of XXXX at that time. I also think the closing costs out weigh the cost per month benefit and now I have neither .... just a black eye for my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I applied for credit with XXXX XXXX and was denied. The reason give was " Unable to verify credit reference due to security alert ''. When I investigated, Experian was reporting that I had a security alert that required the creditor to call me, but they said they did not have a phone number for me. I have obtained credit in the past with the security alert on my file and never had a problem with a missing phone number ( i.e., creditors were able to call me to verify the information ). Even though Experian is blocking credit inquiries, it is counting the inquiries against my credit score. 
When I tried to contact Experian to fix it, all I could get was a phone menu that gave me no options to add information to the alert and no way to talk to a person to fix it. I tried a wide variety of published customer service numbers XXXX XXXX, XXXX, XXXX, XXXX, XXXX ). All of them eventually took me to the same set of menu options, with no option to talk to a person. None of phone options would fix my problem. 
What is more ridiculous is that I have a " membership '' with Experian to monitor my credit. The membership has all my current contact information, including phone number. Yet for the security alert, they claim they don't have a phone number. 
As currently arranged, Experian is denying me the ability to obtain credit by blocking credit checks and offering no way for me to correct the situation and add a number. By offering no option to talk to a person, they are failing to provide a basic and reasonable service. 
By denying me the ability to obtain credit, they are adversely impact me and my family and causing a financial hardship.

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 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CT

Complaint narrative:
i sent in my normal payment on time and with escrow as i have done for the past 4 years, {$1700.00} i wasnt aware that my escrow was short so i continued to send {$1700.00}. they held my payment in escrow until the following month ( XXXX ) to aplly it to XXXX payment and repeated to do so for 2 months until i realized it was short and paid the balance immediatly, my credit score dropped almost 100 points due to this slight error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: NC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD

Complaint narrative:
I attempted to contact Cardinal Financial Company on three occasions : XX/XX/XXXX, and XXXX, XXXX. 

I received my escrow analysis. From the analysis, it looks like I have a shortage of {$210.00}, which spread out over 12 months of payments adds {$17.00} and brings my total monthly payment to XXXX. Based on the data in the electronic system and on the new payment analysis, Cardinal 's documents indicate a monthly payment of {$2100.00}. This would result in an overpayment of {$190.00}. Further on the payment coupon, included in the Escrow Analysis, I am provided an option to pay the full shortage of {$210.00} or have a monthly increase of {$2100.00}. 

In short, the Escrow Analysis contains multiple inconsistencies, which have now been hard coded into my revised payment plan. I have sought clarification from Cardinal Financial Company via their secure portal and have not received a response. This new payment goes into effect on XX/XX/XXXX and I am concerned about the errors in documents provided by Cardinal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: CA

Complaint narrative:
Equifax systems were down preventing the unfreezing of my credit history. 

I made several attempts on their online portal to unfreeze my credit between XXXX and XXXX on XX/XX/2020. Their automated phone system informed me I provided incorrect information ( after two tries I can confirm this is not the case ). When I talked to a call center representative they said their systems are updating and I should call back tomorrow. 

Complaint : * Providing false & misleading information about their outage. 
* Given that theyre in the business of selling my data without my authorization, they should be able to keep their systems available so I can at least freeze/or unfreeze my information at will. A 24 hour outage is unacceptable and impacts consumers. 

This isnt the first time their online portal has been offline and impacted my ability to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: PA

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX ( XXXX, VA ). I had an online reservation for a vehicle as well as a commitment for a trade-in price. Went to the dealership and decided to upgrade to the next highest model of the XXXX  XXXX. It was priced at XXXX. There was a promotional deal for 0 % financing. Between my trade in for XXXX, XXXX cash payment that brought the price of the vehicle down to XXXX for financing. The salesman told me since I qualified for 0 % financing the price of the vehicle now went up to XXXX. I refused the deal outright and got ready to leave. He went back to talk to the manager and came back with the XXXX price and 0 % financing. I asked for the written copy of the deal and was told I could not have a written copy. It was not allowed. But, he said, the good news was all my requests were honored and now I could buy the vehicle. We waited an additional 1/2 hour for the paperwork to be drawn up except it was not paperwork. It was a desk sized tablet in which the finance guy whisked us through the signing process. We were given a zip drive with the document and nothing written. When I received my first loan payment coupon I was shocked to see the balance of the loan was XXXX. That means they did not deduct my cash payment or trade-in value. No. The problem was the raised the price of the vehicle to XXXX in the loan documents and I had no idea they did this. They fraudently raised the price of the vehicle, rushed me through the signing process and out the door with no written documents or way to check for accuracy. They essentailly stole my trade-in and XXXX ash deposit. I trusted they would stick to their word on the verbal deal we made. My husband and daughter were both witnesses to the verbal deal. I have tried to contact the dealership for 2 days ( I am out of state and can not get there easily ). I have received no call back from the finance director. I have reached out to the VW complaint bureau and was given a number to call which I have been unable to reach a live person. I want this loan re-written for XXXX that would reflect the agreed upon sale price of XXXX. In a side note this same vehicle is now offered on their web site for XXXX. So it is price gouging to begin with and then a fraudulent loan and sales tactics on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I noticed that a collection had been added to my credit report. It's for an emergency room visit on XX/XX/XXXX. I never received a bill from the hospital or noticed that I had a delinquent bill at all. After contacting the collection agency, Commonwealth financial ( XXXX XXXX XXXX XXXX, PA XXXX ) XXXX, requesting information on the account 's validity, I was told that multiple letters were mailed to me already. I never received a letter, phone call, or email from this company, so I filed a dispute through XXXX  on XX/XX/XXXX. XXXX  came to the conclusion the account was indeed valid. I contacted the collection agency once more to see what I could do to take care of it. I was told to either pay the full amount of {$760.00} or settle the debt for {$500.00}. I let it be known that it would be impossible to pay either amount for the simple fact that I lost my XXXX XXXX due to the Covid 19 pandemic and that I had already been waiting for weeks to receive unemployment. Then the customer representative hung up on me. Months go by ; now it's XX/XX/XXXX, 4 years and eleven months exactly since the emergency room visit. I find an app for XXXX XXXX Hospital, where the er visit took place in XXXX, TN. I was able to find my medical records from XX/XX/XXXX. Yes, I apparently was there, but that's all the provided informationno reason for the visit, not treatment, no medication, nothing. I was able to find the Doctor, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX, I believe, are companies involved. They may even be the same. I mean, they have the same address. I looked him up, and I see that his office is permanently closed. I also see alarming reviews about him scamming patients by charging their bills within 90 days and not giving them the chance to dispute or even try to pay it. He sends them straight to collections, which seem to be scam companies. I didn't know what else to do so I decided to file a complaint. Please help in any way you can. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 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: Express Recovery Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, EXPRESS RECOVERY add a hard inquiry on my credit report per XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am writing because I was scammed out of over {$20000.00} ( twenty thousand dollars ). My Chase checking bank account was left with a - {$9000.00} ( negative nine thousand dollars ) fee. 

A family friend ( or what I thought was a family friend ) asked to deposit money into my account because her fathers house had been sold out-of-state and she did not have a banking account. According to her, she really needed the money to help pay her bills, take care of her grandkids and generally get her life back in order. I was sympathetic, I understood trying to make it during the pandemic. 

There was money deposited into my banking account supposedly with funds received from the selling of her father 's home, so I thought it was legit. Once I saw the money in my account, I thought it would be fine to give her the funds. On XX/XX/2020, I gave her the funds. 

Two days later, on XX/XX/2020, I get notice my account has been overdrawn by {$9000.00}. Chase tells me, that they will not reimburse the money because I basically authorized a person to deposit funds into my account. But I did not authorize them to withdraw from my account though. I filed fraud charges at the bank, and they assured me that a police investigation would happen, and the person would probably go to XXXX. 

Chase showed me the fraudulent checks and they had my last name misspelled with two XXXX  instead of one. There was other suspicious detail that should have alerted Chase that there was an issue. I remember when my wife went to pay my mother-in-laws Chase credit card bill. Chase would not let her pay because she was not my mother-in-law. My wife had her ID, the billing statement and a check from my mother-in-law and they still would not let her pay BUT they allow someone to overdraw my account with evidently fraudulent documentation to the tune of {$9000.00}! 

Does Chase have zero liability? And this person lives in the same city I live in, I want to expose her so she doesnt hurt anyone else. I could have lost my home, vehicle, or anything over this amount of money. I withdrew money from my 401K to help with house repair expenses, my XXXX children and to cover other losses experienced from COVID 19 and now I have nothing to show for it. Most weeks, I work 7 days per week ; it's just not right. I dont know what to do. What are my options? 

I have all of our communication and evidence that shows her intent to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2020 I looked on XX/XX/XXXX and had Midland Credit Management company down as a collection account on my credit report. I sent a certified letter in regards to this account to verify the debt that shows as a collection from their company. I sent a certified letter letting them know how to communicate with me to clear up any errors and the correspondence were they didn't have any knowledge of the debt however they have debt collection shows on my credit report that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17 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: NC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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 2020-11-17 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: NC

Complaint narrative:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

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