vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was approved for a mortgage with Rocket Mortgage /Quicken in XX/XX/2020.. The property I was purchasing was under construction and my closing date was set for XX/XX/XXXX. my complaint is Rocket practiced bait and switch business tactics On my initial loan estimate, the numbers shown were {$15000.00} to close A few weeks later on XX/XX/XXXX I was given an updated cash to close amount which was XXXX. This was to be the final number according to the loan officer. 

On XX/XX/2020 just a few days before close, I was sent a final disclosure with a new cash to close amount of XXXX. 

On XX/XX/XXXX, I was told the closing needed to be pushed to Monday XX/XX/XXXX because there was a new change in cash to close, I was then sent another closing disclosure with a cash to close amount of {$24000.00}. 

When asking the loan officer what was going on and why was my amount changing so much, I was told Rocket made an error in their documentation. After multiple calls, it seems Rocket failed to confirm numbers with the builder, property taxes in addition to who was paying the title fees. 

I was only days from closing and told i needed an addition {$7000.00} to close. 

Rocket failed to try to resolve the issue for me, I asked if they made an error, they should take care of the cost in which they failed to disclose beforehand weeks before with the approval letters. 

I ended up having to cancel my closing and find a new lender due to this issue. I had to pay for another appraisal with the new lender due to the mistake rocket made. Through the entire process I received several different numbers varying in thousands of dollars, with the most difference just 3 days before my closing. 

The loan officer seemed to hide the cost until the end so he could be sure the loan was going to close, assuming i was desperate for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal and several other companies have no customer service number today and rely heavily on technology. What a way to run a business and a lot of companies run a business like that these days. I can not get into my old PayPal account that I have not accessed in several yrs because I don't have the same phone number or information as i did 10 to 12 yrs ago. They ask me for my email address and than for my old phone number. What if whoever bought my old phone number could hack my stuff and do what ever they wanted. It creates an open door for identity theft. Is there laws or any statute of limitations as to how long a digital company can keep your accounts open. I have a XXXX account that's several yrs old and I can't log in to delete it and I don't want my pictures or my face out there and I feel stuck. And I have XXXX asking me for to verify a 12 yr old PayPal account. I can't go back that far and I won't. I can't even list anything on XXXX because of it. Privacy issues with expired information of several yrs can be an open door for hackers and identity thrives. MAIN complaint consumers can't access old accounts with out the same phone number or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
In XXXX of 2020, I discovered an alleged debt reporting on my credit reports for XXXX XXXX XXXX XXXX for an amount of {$350.00}. On XX/XX/2020 I sent Enhanced Recovery Company , LLC ( ERC )., a request for validation as I am allowed under the Fair Debt Collection Practices Act and requested for validation including a separate request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' I did not receive any response from Enhanced Recovery Company LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2020 noticed PayPal had removed {$1.00} from my checking account On XX/XX/2020. Was told that Symphony represented PayPal but was not PayPal. Was not able to talk to a PayPal customer service member because it was after hours. However, Symphony appeared to be authorized to ask for my name, phone number, and last four digits of my social security number. The represents on the phone was also calling themselves A PayPal Credit representative. 

My issue about having an unauthorized withdrawal is unresolved and I attempt will follow up. More than likely I have been robbed by a transaction from ACH/PayPal with a bi-line XXXX XXXX I see Im probably 1 in 700 plus being robbed with some sort of online exposure. In which case I dont know what to 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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Extremely long hold time Difficulty problem resolution Issues utilizing the card check writing bill pay feature

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have acct with fifth third bank opened XXXX XXXX But I see additional hard inquiries prior to opening this acct and past opening this acct. There should only be 1 hard inquiry on my credit report but there are 3. I only authorized " 1 '' hard inquiry within XX/XX/XXXX any other inquiries are fraud which I did not authorize. The inquiries in question are dated for FIFTH THIRD BANK For Dates XX/XX/XXXX & XX/XX/XXXX This accounts and Date XX/XX/XXXX I did not do business with this organization and/or did not authorize my credit file to be pulled. On date XX/XX/XXXX I did not give my permission to pull my credit report. I have contacted fifth third bank by phone on 3 occasions and i have received a letter from fifth third bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX stating they were verified and correct. I do formally request to show proof of signature that I did give authorization and /or permission to perform a hard inquiry on my credit file. I this proof can not be given i demand that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: MD

Complaint narrative:
There are three debt collection company that I am paying and paid in full. 
1. I contacted Vance and Hoffman with 30 day to setup payment before 30 days notice. Please remove from my credit reports. 

Debt collection - paid in full from XXXX XXXX I contacted to make payment arrangements before going to debt collection. I should have not been reported to the bureau 's. This should not be a charge off. 

XXXX  XXXX : I paid over the amount requested to XXXX  XXXX and debt collection. This is not a charge off. Please remove from credit report because of inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to link my PNC bank account to my XXXX XXXX account and it will not let me do that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , TU, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( TU and XXXX  ) Bankruptcy Chapter XXXX  ( TU 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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: UT

Complaint narrative:
Today I received 2 phone calls and a report of another call they made to my friend. The transcript of the phone message they left on my phone reads as follows : " The this is a confidential message for XXXX. If you are not XXXX  you must hang up now. Hello. I am being asked to report back to you on your birthday, which is a concern. We had to put a hold on your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to ww.w direct Recovery Services and click on the pay now link. Your account number is [ ... ] '' Shortly after my friend forwarded me the above message, I called the number to find out who called me. The individual who answered the phone was very abrupt and would not tell me to whom the debt is owed or how much. Instead they asked me for my SSN and DoB. I told them I would never give that information to anyone over the phone. I asked that I be removed from their calling list and that they cease and desist contact effective immediately. They responded saying, " You have a right to pay your debt .... '' I couldn't stand their yelling into my ear, so, I just hung up when I noticed that they weren't going to leave me alone. 


I followed up that conversation with the following email : " I just spoke with one of your staff asking me to give my SSN and DOB over the phone. 

1. Send your proof of the debt you say I owe to P. O. Box [ ... ] 2. CEASE and Desist all phone call to me or any persons known to me effectively immediately. 

You called me three times today already and you say I have a " right to pay the bills. '' It's only scammers who have asked me for my SSN over the phone. I don't understand why anyone would yell at me for asking for a verification of their debt and providing them with a mode of contact I prefer. Their aggression is deeply troubling and I see that I am not the only one whom they've preferred explosive language -https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I contacted XXXX  in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I contacted XXXX  in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.

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 2020-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I contacted American Education Services ( AES ) about two weeks ago to ask why I am being ask to pay my student loan when the newly passed Cares Act granted me a six month forbearance. I was told by AES that they are not postponing payments and that the Cares Act does not apply to them. I stated that AES is a federally back loan and its also listed as a servicer on the federal website therefore my payments should be delayed. I was told by the AES that they expect me to continue my payments and if not I risk delinquency. This is unfair and this servicer is probably threatening a lot of customers. Please help resolve this as soon as possible. This is a strain on my family during this pandemic and it seems as though AES is not abiding my the CARES ACT. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
XX/XX/2020 after reviewing my personal credit report ; a unauthorized inquiry from CONSUMER PORTFOLIO SERVI located at XXXX XXXX XXXX XXXX XXXX, CA XXXX showed on my XXXX  credit file. I'm requesting signed verification or a immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name :  XXXX ( XXXX  ) Incorrect Name : XXXX ( Equifax ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( Equifax , XXXX, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and Equifax ) Bankruptcy Chapter XXXX  ( XXXX  and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: GA

Complaint narrative:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect  Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( Experian ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( Experian ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , XXXX, and Experian ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( XXXX  and XXXX  ) Bankruptcy Chapter XXXX  ( XXXX  and Experian )

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 2020-06-05 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation