vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: AZ

Complaint narrative:
Hello : My complaint comes down to my loan officer not only failing to lock in the agreed upon interest rate for my refinance, but failing to inform me of his mistake until three weeks later. 

XX/XX/21 XXXX XXXX XXXX ( XXXX XXXX & Ohio # XXXX ) of XXXX ( dba of XXXX XXXX, XXXX XXXX, emailed a loan estimate to me with what were supposed to be the rates/terms/conditions ( 2.125 %, 15-yr fixed, 2.25 % APR ) we verbally agreed to over the phone. Instead, the origination charges were higher than we had agreed and I asked him to send me a revised loan estimate with their fees lowered so that the APR did not exceed 2.25 %. Mr. XXXX told me he was leaving for the day but promised to get the revised loan estimate to me the next working day. 

XX/XX/21 Mr. XXXX informed me that he couldn't lower the fees any further. He stood fast on the XX/XX/21 loan estimate promising he could get that one done. I still agreed to move forward and submitted the signed loan estimate on XX/XX/21 ( my wife did so too ). All of the income/asset/ID documentation Lower.com asked for was submitted immediately thereafter. 

XX/XX/21 Later that same day, I was contacted by another lender ( XXXX XXXX ) who informed me they could beat XXXX XXXX quoted loan estimate if I would complete the refinance through them. I considered it and declined having already committed to Mr. XXXX and XXXX 's rate/terms. I felt that I was morally bound to follow through on that promise just as they would fulfill their end of the deal. 

XX/XX/21 I heard nothing further from Mr. XXXX or XXXX for the interim period. On XX/XX/21 I received an email from Mr. XXXX ( three weeks after the loan estimate was signed by both parties ) saying that he did not lock my loan rate and he was no longer able to do the refinance loan he had promised. He offered to do the 15-year loan at 2.375 % with no points. I asked why he didn't lock the rate and waited 3 weeks to tell me he had failed to do so. The call was recorded, so his words will speak for him. Basically, MrXXXX XXXX claimed it wasn't his fault. I really don't care whether it was ( as I suspect ) a rookie mistake, or XXXX messed up, but I have been damaged. 

I did contact Owning.com to see if they could still beat XXXX XXXX original loan quote. They said they could not. I told Mr. XXXX I had been damaged, not only by him not locking the loan, but by not telling me he messed up to give me the opportunity to refinance with Owning.com. 

The cash savings over five years that I would have realized with Mr. XXXX XXXX original loan quote netted out to be {$5700.00} ( {$11000.00} in less interest paid minus the {$5500.00} in new loan costs ). I offered to settle the damages with Lower.com for a flat {$3000.00}. My offer was refused and they sent me an email saying the loan was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, my father passed away. After going through his belongings, I found a credit card with my name on it. After calling the bank ( BARCLAYS BANK DELAWARE ) on XX/XX/XXXX to tell them I never opened this account and had no knowledge of it, they told me an investigation will be done, with affidavits sent to my house. After no affidavit arrived, I received a letter stating the account is valid. On XX/XX/XXXX, I sent BARCLAYS BANK DELAWARE payment records from my fathers bank account matching the payments received on the fraudulent account. Manager XXXX XXXX also told me the statements were being sent to my fathers email address and the phone number associated with the account was my fathers phone number. I also sent an FTC report making note of this. With this new information. I was told they would reinvestigate the claim. The following week I received the same letter stating the account is valid. I currently submitted all my supporting documents to the credit bureaus but was told they just report what the creditor tells them. As a young man just starting life, losing his father and finding out he was the victim of identity theft by someone he thought he could trust, life is hard enough without there credit being ruined by a credit card account I never opened. Please investigate this and/or have BARCLAYS do a proper investigation with all the supporting documents I sent to them multiple times. Thank you.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield in XXXX, FL is attempting to collect a debt from me for a past lease break, for XXXX XXXX in XXXX XXXX, CA. I left within the terms of my lease break clause, I was never late on rent, and left no damages to the apartment, and was still charged, and my deposit was withheld. Hunter Warfield also flagged my credit as collections twice, within 30 days, for the same debt, which is illegal under Drews Law. You can only flag someones credit a single time for a debt.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the names, XXXX XXXX XXXX and XXXX XXXX from the 'Also known as ' field from the personal data portion of my report as this information is inaccurate and not correct.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was checking my credit to make sure everything was ok before I went to the car dealership. I opened my XXXX report via the website and went through all the tabs. When I got to the debt collection tab it listed a debt of {$1500.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX. The collection agency is ARS ACCOUNT RESOLUTION in XXXX FLORIDA. This Is not my debt. I have a fraud alert, and a credit freeze on my credit. I don't know how this ended up on my credit. I did a XXXX search of the creditor name, and it appears to be a doctors office in Pennsylvania or Texas. I have never lived in either state. I am retired from the Military, and I get free medical care from the VA, and use XXXX. I have never had to pay anything that, and it is not mine. I called ARS, the collections agency and they stated they have no record of my name or ssn. How could this happen? This could ruin my credit. Please remove this ASAP!

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 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
I've had issues in closing our mortgage refinance with XXXX. This has been an issue since XXXX and we've missed several closings due to incorrect or missing closing disclosures. 

We've constantly had the wrong loan amounts, different pre-paids that have been inaccurate, different escrow amounts which have been inaccurate, fees that aren't called out on some closing documents and then called out on others. 

Every time I've sent over the correct amounts of what I would expect to see and asked for explanation. I've sent over numerous closing statements from my current mortgage lender showing what the amounts should be to pay our loan off as we are just refinancing ( no cash out ) and we're bringing cash to close for everything else ( so not rolling into our mortgage ). I've yet to get any clear answer or an accurate closing disclosure. 

On our most recent closing disclosure our loan amount is still wrong, plus they have the wrong payoff amount. The solution they have provided to us is " well if you overpay, you'll get a refund from your current Mortgage provider and then can put that back into your new loan to bring it back to where it should be. '' Several issues with the above - first, that is just wrong to ask someone to take out more of a loan than they need/asked for - even if it gets refunded. That takes time to happen and during that time you're paying extra interest on a loan amount you didn't need in the first place. Further - if you didn't pay that extra back to your new mortgage you'd end up paying extra interest on something that was already paid off on your first loan. Second in this case, they are asking that not only do we take out a bigger loan than we need, but bring extra money to close to cover to difference in the wrong loan amount and the wrong payoff amount - that is an extra {$1500.00} that we are supposed to bring to close. Overall with that plus the wrong loan amount means that we are overpaying by {$3900.00} ( {$2300.00} from the difference of how much we actually owe on our current mortgage and how much they say our new loan is + the {$1500.00} that we would need to pay to cover the difference between the new wrong loan amount and the wrong payoff amount ). 

I'm at a loss for why this seems to be so hard to get correct and that we're being asked to do something that isn't right for the loan. Additionally - the newest closing disclosure has a new Title processing fee for {$120.00} that wasn't there on any of our previous closing documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: MN

Complaint narrative:
My understanding of the Federal CARES Act of 2020 is that lenders have to remove late payments reported to the 3 credit reporting agencies. I work for a XXXX XXXX in MN and we have had to, and continue to, remove late payments reported throughout the pandemic. My lender, Global Lending services says they do not have to and I need to dispute with the reporting agencies. When I inquired what would happen, they stated the reporting agencies will come to them and they will then report once again that I was late. So it seems I will be stuck in a never ending loop of going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX send notification to XXXX, Transunion and XXXX so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through 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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX  send notification to XXXX, Transunion and XXXX  so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX  XXXX causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through 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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX send a letter to all Three Major Credit Bureaus to inform that due to COVID i had a no payment requirement from XXXX through XXXX. Payments should be changed from late payments - XXXX shows 30 days late, XXXX through XXXX shows 60 days late. THis should be changed to on Time or NA so that it does not impact my score. I have been negatively impacted and it is affecting my ability to obtain credit for a home. XXXX XXXX  send notification to XXXX, XXXX  and Experian so that it can be updated. Please remove this inaccurate information from my credit report immediately. 
This account was handled incorrectly with XXXX  XXXX  causing me to pay more than what i had to pay every month. XXXX XXXX agreed to remove the late payments and update as positive. Please update the late payments from XXXX through 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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the Zelle application. I have never used this before but saw it was available in my banking application ( XXXX  ) so figured it would be safe. I sent over {$750.00} to Zelle account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the Zelle account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via Zelle is {$750.00}, he asked me to use XXXX XXXX  and send {$430.00} to XXXX  XXXX  username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through Zelle on Monday, XX/XX/2021. I sent the money to the same Zelle account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I received 3 to 4 calls a day from this number. Most of the time, they hang up. When I speak to a person I have explained to them that this debt is from an account I had in 2017. Also I explained this account is part of a program I have with a Debt Management Program through XXXX XXXX XXXX. I told them they are not supposed to be contacting me. They keep calling and when I asked to speak to a supervisor, he threatened me and told me they were going to sue me for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Not sure if this complaint is applicable to this bureau, but here it is. 

I don't recall receiving a mailed Form 1098 from my fifth third bank mortgage account. 
The account is a joint mortgage account between my brother and me, who file taxes separately. 

I made an online account and used it to pay the mortgage throughout the year. When setting it up I requested online document delivery. I have received online bank statements throughout the year. 

Now, when I am trying to access my tax documents they are not visible. I reached out to support and requested the 1098 form on XX/XX/2021. They advised that it is a joint account and I am not the primary holder so I will not get access to them. I believe their deadline to mail or give electronically is XX/XX/2021. I need access to my tax documents to file taxes, hopefully they will supply them before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: ME

Complaint narrative:
I paid my car loan off in full in XXXX. I held my loan with XXXX and purchased the car from Carvana. Carvana mailed my title to a previous address, and when I called to discuss this with them in XXXX, I was told that they would need to wait for the title to bounce back to them through the postal service, and then they would forward it on to my new address. In XXXX, I called to inquire because I still hadnt received my title in the mail. I was told that the previous representative was wrong, that Carvana no longer held my title and I would need to contact the North Carolina DMV. However, when I contacted the DMV, they stated that their records showed that they had returned the title to Carvana in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 7 inquiries on my Experian credit report that do not belong to me I have sent multiple letters to the furnisher and the bureau and it is still on my credit report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry

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