vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
The appraisal was not done fairly. QuickenLoans representatives told me that they were not allowed to communicate with the appraiser to influence the valuation of my home. The appraisal was ordered on XX/XX/XXXX, XXXXthe appraiser came to my home about a week later. Two days after the appraisal the appraiser called me and said, Mr. XXXX they want to do this on 10 acres. 
I told him, They tried to do this in XXXX when I refinanced this same property. Why would I choose to do that when I have 8 acres free and clear with my current mortgage. I also said, Im not signing anything that has more than the number of acres already financed, 2.143 acres ( this amount is crucial to my complaint ). 
( Confirmation of the following statements can be found in the attached appraisal ) The appraisal was ordered on the XXXX of XXXX and was not completed until the XXXX of XXXX. In XXXX my home appraised at {$200000.00}. This appraisal would reduce my property value to {$170000.00}. The appraiser said  that he used the sales of other comparable properties to determine the valuation but none of them were outside the city limits, as mine is. Neither did any of the properties, that had been sold, have even an acre of land. The one comparable which had more than an acre ( not sold ) had under 1.5 acres. 
I can not confirm this, but the valuation of the remaining 8 acres is about {$3500.00} per acre. That amount times the remaining 8 acres would be $ XXXXthe exact amount of the difference between this last appraisal and the XXXX valuation. Were there not any other properties sold that compared more closely to mine? Two acres on my frontage road ( raw land ) would easily sell for {$10000.00}. I will also add that I have not gotten any indication from the appraisal district that any property values have decreased, but only to the contrary, they have increased! I should also add that I am XXXX and of XXXX descent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2020-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed wrongful debts with Portfolio Recovery years at this point. They are attempting to collect an old debt they purchased that does not belong to me. They are wrongfully attempting to collect this debt and damaging my credit immensely. They need to remove the collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AZ

Complaint narrative:
My loan servicer was XXXX. I had automatic payments set up through my bank, XXXX XXXX XXXX, to make my mortgage payment to them every month. I did not realize XXXX sold my loan servicing to Arvest Loan Servicing effective XX/XX/2020. I did not realize this until after my payment transacted, on XX/XX/2020. Arvest has contacted me asking for the payment. I explained the situation to them, and they said they would contact XXXX to iron it out. They haven't. I contacted XXXX myself. They said they could not locate my payment, since they do not accept payments unless you are a current borrower, and that they would immediately forward to Arvest upon receipt. They haven't. I have continue to check with my bank, and the payment has not been returned- it shows as a valid payment sent via echeck on XX/XX/2020. In the meantime, Arvest is hitting my credit report with non-payment and charging me late fees. These companies need to figure out what's going on. I never asked anybody to buy or sell my mortgage servicing, and I didn't ever know they were going to. Now that they have, these massive corporations can't just shrug their shoulders at me while I'm out my {$1900.00} mortgage payment. It's sitting somewhere earning one of these companies interest. Meanwhile, it's hurting my credit, my ability to refinance, and they're charging me late fees for money they refuse to help me locate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I initially disputed errors on my credit report with Experian on XX/XX/XXXX. I received a response that the account was verified around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). About XX/XX/XXXX I sent Experian letters requesting their method of Verification according to my rights as a consumer under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) As  you can see attached ( several reports ), Experian has failed to follow the law under the time allotted and I simply want these erroneous accounts removed permanently from my file. Please have Experian provide my a free copy of a new credit report showing these items have been removed. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a phone call from Harris & Harris for a debt collection based on a medical bill. This company has contacted me many times after asking them to provide me a validation letters to verified the accounts going back since XX/XX/XXXX. I have not received any responses from them only repeatable phone calls. They have ignored all of my letters in which I have included on this file. They continue to call. The first one I had to record was the phone call they made to me on XX/XX/XXXX in which they left me waiting for more than 35 minutes. They told me to hold for a supervisor and that is where they left me on hold for 35 minutes. I continued waiting and while I was waiting they will come back to answer the call with a push button to keep me on hold. Finally, a supervisor came on the line and was not aware I was waiting. After several letters to them they continue calling. I want these phone calls to stop! I have requested many validation letter to provide me with no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: CA

Complaint narrative:
I will be XXXX years of age on my next birthday I tired of company reported incorrect information that affects my life for years. Company making money of my back, Im tired of this Experian just reported that I live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Its a mobile home park, I never lived. Im tired of dealing with this XXXX. I tried to submit it dispute and it will not go throw. Its like Experian just patronize with company of means. 

Again I dont live at XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Thank you for taking the time to help people navigate through the Public Service Loan Forgiveness ( PSLF ) program with FedLoan Servicing. I find myself in a unique situation with my loans. I have been working with non-profitsover the last ten years with two of those years working as an XXXX XXXX. 

Here is my situation : I was trying to use my XXXX XXXX XXXX XXXX to pay down my XXXX XXXX XXXX XXXX monthly payments and stay current on my account. The problemthat I was having was that my payment was not arriving on time and defaulting on my PSLF payments because it took too long to transfer over. I asked several times if there was a way for me to set up an automatic withdrawalfrom my XXXX XXXX XXXX Award. I was told that this could not be done. My solution was to pay multiple months at a time. As a result, I found out that a year of my payments did not count for the following months : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX 4 months ), XXXX XXXX, XX/XX/XXXX. 

I have had a number of reviews on my account to try to get this fixed but, it always comes back negative. I spoke to an ombudsmanat FedLoan Servicing and they told me that my request was also denied. Years later I found out that they could take automatic payments from an XXXX account. 

It doesn't seem right to me that paying ahead on my account to satisfy timely payments should be counted against me. Especially, because the transfer payment was out of my control and between two slow moving bureaucratic governmentagencies.I feel like I have been duped andI am not sure how to proceed. Do you have any advice?

I am currently at 103 qualified payments and having an extra year worth of payments returned would really change my life. I have also attached my notes to give you a paper-trail of my experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My mortgage loan was sold from XXXX XXXX/ XXXX in XX/XX/XXXX to PHH mortgage ( part of OCWEN Financial ).  Since they took over the sub-servicing of my mortgage they have caused me two serious problems : 1 ) finding my XXXX Payment and applying to the new account ( this was resolved but took almost 2 months to do so ). 
2 ) Have caused me to be delinquent in my XXXX 2nd half real estate tax payment to my county treasurer because of their mismanagement of my escrow account. 
Per the 2nd issue I have been interacting with them since XX/XX/XXXX after receiving a delinquent tax notice from my County treasurer 's office on my home. I sent them a letter along with the original delinquency notice AS WELL as a copy of my official county tax notice to their Florida address as advised by one of their customer service people whom I spoke with on the phone. I did not have it sent certified but I did send it with a tracking notice to verify its delivery. Since then I have made multiple phone calls with their customer service people as well as my county treasure ( who as of XX/XX/XXXX has not received any correspondence or payment from them what so ever ).

The last I heard from PHH was on XXXX that they were going to have it resolved by XXXX and were going to call me to let me know they had finally tracked their supposed escrow payment and resolved it with my treasure 's office. I never heard from them on XXXX and I know my treasure 's office is closed because they only work 4-10 's M-TH of each week. 
I am absolutely flabbergasted and disgusted at the poor quality of service by this company. It should not take two months to resolve a mortgage payment or escrow account issue. I may have to go in and physically pay the tax and interest just to keep off the public record Tax Lien list which will be published in XXXX for my county!!! 
My escrow account is current and I have documentation that they claim they paid the XXXX half from XXXX on my escrow statement but XXXX XXXX does not have it per their records!! 
I have no confidence in this company and I am beginning to think that they are not above board in their business dealings. Its seems to me they are up to the same old mismanagement tricks from XXXX when they got caught by CFPB. 
I had no choice in them becoming my loan servicer/owner and it scares me that a perfectly good mortgagee who has always made their payments on time and works to have good credit can be subjected to this treatment. 
HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
An electronic payment of {$320.00} was transmitted to Barclay 's in the on XXXX by XXXX XXXX XXXX XXXX. Barclays '  repeatedly refuses to credit my acount and continues to try to charge me interest on the money it has already been paid. Proof was submitted verbally, and in writing over 5 times that the payment was made. Each time a contact is made, Barclay 's says it can not correct the problem because requested information is missing. I confirmed several times that Barclay 's has the information it requested. In several calls, reps refused to connect me with a supervisor. on XXXX XX/XX/2020, at XXXX I spoke to Supervisor XXXX ( XXXX XXXX ) who confirmed Barclays has the info, and has had it since XXXX. On XXXX XX/XX/2020, XXXX sent me the same letter, refusing to credit my account. 

There are at least two cases set up with Barclays to address this problem. The case numbers are XXXX and PYT XXXX I do not know if I am being discriminated against due to my status as a Senior citizen, or if this is a more widespread, business practice. 

I encourage the Federal government to initiate a broad investigation to determine if this a pattern and practice of Barclay 's. 

It is difficult to determine if this is outright fraud, or just monumental incompetence

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 2020-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc
State: FL

Complaint narrative:
On XX/XX/2020 My credit was accessed by a Credit Plus on behalf of an unknown mortgage company, I was trying to obtained a mortgage pre qualification, i have provided to them all the required documents and sensitive information, the mortgage broker responded via text message stating that i would be needing a co-signer in order to be qualified, no other information was given, i have made several request for them to provide me with written denial and reasons and none of those request have been met, i have reached out to them multiple times without success. They also informed that they did not pulled my credit report yet it remains as an inquiry on my report, please advised me in how to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I had received a package first class, in the mail, the next day. After making a checking account with little to no funds in my bank account. What was in the package surprises me, checks! Three solid books of checks. I am XXXX  XXXX in debt and broke and needed checks? Especially when covid-19 took my job, my rent payment, electric bill payment and poverty stickered me sick. I had no choice but to bounce and fraud  checks with banks and stores to get by. I needed to eat, maintain a level of health and hygiene and keep up on day to day living. Now I didn't ask for blank checks at all or any form of check but three. I am so broke i needed to write checks to myself. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
Can not activate my card from Texas Unemployment through Us Bank Reliacard. Tried the website and it won't work. Tried the app and tried calling. I can not use my card.

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 2020-08-16 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: MI

Complaint narrative:
XXXX card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did

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 2020-08-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXXXXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXXXXXX XXXX XXXX-Not Mine Delete/remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16 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: NY

Complaint narrative:
I previously sent toTransunion and XXXX  documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request

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 2020-08-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did

Company response to consumer: Closed with explanation