vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In my recent experience doing a jumbo loan refinance with Quicken Loans, their sales and servicing practices are deceptive, unfair, and dishonest. 

I completed a refinancing with Quicken Loans in XX/XX/2021. I was told by the contact there that Quicken Loans services ALL of their loans. This was a major factor in my decision to use Quicken Loans for my refinance, because it was important to me to have a modern loan service that is online via websites and mobile apps. 

In XXXX, after only a few payment cycles, Quicken Loans sold the servicing of my loan to a different servicing bank, XXXX XXXX. XXXX XXXX  has only rudimentary online servicing. It requires multiple phone calls and paper letters to make changes to my account. I am not able to easily set up automatic payments like I did with Quicken. XXXX XXXX  also does not have proper staffing to answer phone calls, and they told me I will I have to wait 48-72 hours to hear responses back from their loan department. 

When I called and escalated my complaint to Quicken Loans and talked to a member of their research team, I was told that Quicken Loans does not ever service my loan category. As policy, they sell all jumbo loans. To me, this was important information that I was never told in the refinance application process. I believe I was sold a product that I am now not receiving. Nowhere in the process was I explicitly and clearly notified, either in writing or verbally, that Quicken Loans would not service my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
In previous complaints I have addressed the inconsistency in BSI 's failure in posting timely documents for me to pay my loan. Due to the status of my loan, I am diligently trying to make attempts to resolve my account without paying the ridiculous {$3200.00} 6 month payment plan designed to take my home. In addition, the investors would be holding money earning interest on XXXX monthly. I am not giving them the satisfaction. 

In XX/XX/2021, the manager, whom I spoke with on the phone XXXX XXXX, was somewhat hostile in her tone. While I kept it professional, I really wanted to her off. The only thing she did do was finally assign me to another loss mitigator. When I asked about getting statements posted timely, I was told that was a customer service issue and she could not do anything about it. This is on recorded conversation if you don't believe me. 

Secondly, I am continually getting fees and charges that are being added to my account with no explanation and not receiving any documentation in the mail. They charge whatever they feel like. This has to stop and is illegal. As a customer, I have the right to know what is being charged. I should not have to call customer service to find out what the charge is. 

I have attached my exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is 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 explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
Cardinal Financial ( XXXX XXXX has not refunded my {$4300.00} escrow balance on a mortgage loan I paid off on XX/XX/2021. I've reached out by phone several times and each time I am told they need to process a work order to reissue my check refund but there is no sign of the problem being resolved. My online account still shows the original refund check was scheduled to process on XX/XX/2021. I have not received it as of today XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper charged me an overpayment of {$50.00} for a mortgage payoff. The charges are as follows : XX/XX/XXXX - {$25.00} ; XX/XX/XXXX - {$25.00} ; XXXX - {$25.00} and XX/XX/XXXX - {$25.00}. I would like a reimbursement of {$50.00}. Mr. Cooper 's response is attached and I have not heard from them. They keep refusing to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My credit with Equifax is supposed to be Frozen. A company was able to run my credit with Equifax. My password is not working to go in and refreeze my credit. I have tried their automated phone system and it is not working. The system is having an issue with the # 5 option. I can't " pass '' their security questions because I have # 5. I have contacted them through XXXX XXXX. I have had correspondence with them 4 times since XX/XX/2021 with absolutely no resolution. I explained the situation to them and asked for a person to contact me because the automated system does not work and I need to either reset my password so I can do it or they need to refreeze my credit. They continue to repeat that I need to go through their automated system. 

I have absolutely no other options and am left with my credit being vulnerable because of Equifax 's, inability to provide a system that works or an option when it doesn't. 

Please help me to get them to assist me in protecting my credit. They have a responsibility and they are completely inept and very indifferent to the risk of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$27000.00} and Equifax is reporting XXXX if you all are getting the information from the same collector why are the numbers different? this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. plz see attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: BCA Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, BCA Financials added derogatory marks on my credit reports per XXXX XXXX and XXXX Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contact or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA, BCA Financials has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 
I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 



FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have a collection account, and they keep taking it off and putting back on my credit affecting my score in the middle of a pandemic demanding payment and saying I didnt communicate with them and refuse to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
In XX/XX/XXXX, I received several phone calls from Rash Curtis and Associates regarding a debt that I owed. I informed the people on the phone that there is no way I have any new debt and that this would have to be from over 10 years ago. I informed them to stop calling me or I will hire an attorney. The amount owed was {$590.00} dollars, which they are asking for over {$1100.00} dollars. I found out from the original creditor that this was from XXXX. This fell off my report in XXXX. Rash Curtis and Associates are trying to say that this is a new credit and re-aging my old credit. I have emails from XXXX XXXX XXXX that state this is from XXXX. I also have an old credit report that shows who owned this before Rash Curtis and Associates. 

I have requested the 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX to remove this from my report. It appears they reached out to Rash Curtis and Associates to verify the account. My understanding is that XXXX XXXX has told them that this account is not re-aging and is committing fraud. I have filed several disputes to have this account removed from my credit report with no success. I have sent a certified letter with all of the documentation to all 3 agencies today, which cost me {$33.00}. 

All four companies need to do better with communication about re-aging debt, as this has been a very trying experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/XXXX around XXXX, I was called by a person stating he was calling for XXXX and that my account was being charged for a new XXXX XXXX. He instructed me to go to the XXXX  site and type a web page-my computer immediately locked for ransomware.. I was transferred to another person who stated that for {$490.00} they would unlock my computer. I gave them my XXXX XXXX that was declined and they specifically asked for a Chase bank card. My computer unlocked but it was clear they were installing spy ware so I shut down the computer. I immediately called Chase and told them that this change was fraudulent and they should stop payment. They said it was not posted yet so they could not do anything until it posted which it did the next day, XX/XX/XXXX and the charge was {$470.00}. I called first thing in the morning and was told they could not do anything. The vendor was XXXX. After multiple calls I reached XXXX who said that it was not processed and emailed me confirmation. I started an appeal with Chase who said that the charge was valid. This should have been stopped when I first called. This was XXXX  and I believe Chase bank is facilitating this type of fraud. I appealed again and was told that I received the service from the merchant. I guess fraudsters are also merchants. 
I have used a Chase card for probably 35 years or longer and never protested a charge before. Would it be possible for you to contact them to get them to cease and desist assisting fraudulent transactions. I would be happy to provide written details and any other information. I am a XXXX senior.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: GA

Complaint narrative:
Midland Credit Management contacting me about a debt that i allegedly owe to XXXX XXXX XXXX I have asked them to verify this debt as per FDCPA they have not done that. I have no contactual agreement with them, I do not owe any money to them. They are in violation of FDCPA yet they are sending me threatening letter to sue. I am very distressed I would like for them to show me how I owe them this amount in detail or Cease an Desist all communication and effort to collect this alleged debt. 
I have done some research on this particular collection agency they are clogging Georgia court system with hundreds of law suits, in many instinct in violation of collection law. it is about time some one pays attention to their collection practice and give relief to consumer who are already in trouble during this unprecedented time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I purchased a round trip bus ticket ( XXXX ) from XXXX XXXX, Texas to XXXXfrom XXXX to XXXX XXXX Texas. Unfortunately, I only used the bus ticket from XXXX back to XXXX XXXX, Texas on XX/XX/2021, not the bus ticket from XXXX XXXX, Texas to XXXX Texas for XX/XX/2021. 

Therefore, I requested a refund from the merchant XXXX which was declined. I reached out to BBVA USA to process a claim for the unused portion of the ticket which was over {$25.00}. And the BBVA also denied my dispute XXXX # XXXX ) which doesn't make sense. All consumers are entitled to a refund, especially if the ticket was unused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: T.S. Holdings
State: CT

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I CONTACTED THE COMPANY VIA MESSAGE SYSTEM ONLINE, AS I DO NOT FEEL LIKE BEING HARASSED VIA PHONE OR BEING ON THE PHONE FOR EXCESSIVE TIME HAVING SOMEONE TEL ME SOMETHING THEY COULD HAVE SENT VIA EMAIL THEY COULD HAVE ANSWERED ME VIA EMAIL OR MESSAGE SYSTEM ON THE SITE THEY CHOOSE NOT TO AND NOW THE ROBOCALLS ARE INSANE AND THE CONSTANT MESSAGES ARE RIDICULOUS I HAVE A XXXX FATHER WHO HAS XXXX XXXX IN XXXX FOR WORK THEY NEED TO GET A GRIP YOU BLOCK ONE CALL YOU GET ANOTHER FROM MULTIPLE NUMBERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion refuses to accurately perform dispute investigation. After information was submitted to Transunion as proof of full payment on Account with XXXX XXXX, a dispute was filed. Upon calling Transunion today the representative initially refused to provide details of dispute outcome then subsequently said that they received information that debt with XXXX was still outstanding. THIS IS INACCURATE/INCORRECT info. When asked to whom they spoke with at XXXX XXXX the Transunion rep stated that they recieved paperwork with no name, number or signature. Transunion is reporting false information on my consumer report which has negatively impacted my credit score. I see this as not only an FCRA violation. Both XXXX  and XXXX have both updated the XXXX XXXX account to paid in full. I have return receipts that Transunion has received proof that this account is now at a XXXX balance.

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 2021-04-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax and XXXX  - XXXX XXXX XXXX  XXXX. 

Equifax and XXXX are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to XXXX. Equifax is using Fico Score XXXX, XXXX  XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. Equifax and XXXX prefer to use these older versions to deny access to minorities with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CT

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always paid my account on time every month through the website that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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