vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied to refinance my existing VA mortgage with Quicken Loans/Rocket Mortgage. They kept me waiting for 3 months after requesting that the VA provide them verification of my eligibility ( even though they knew my present mortgage is a VA loan ). I even submitted a letter from my commander on unit letterhead verifying my eligibility, but they still insist on waiting for the VA to confirm eligibility. The VA has done nothing to help me and has not responded to the request for confirmation of eligibility.

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: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I lost my pin to unfreeze my account. I was quoted a cost fro Experian to unfreeze. I agreed, they were to overnight me the info needed to unfreeze my account. Instead they charged my card more than quoted, sent me a credit report instead. Something I could get for no charge. I called back, they charged me again. When I asked about getting a refund, they said I needed to start an investigation. Here are my questions/problem : 1 )  why did I need to start about five investigations, all which were never investigated. 
2 ) why did Experian refuse to return my money when they admitted it was there mistake? 
3 ) Why on multiple calls, was I blamed for the failure of the investigations when I did exactly what I was asked to do 4 ) why was I threatened by Experian when I stated I would dispute the charge because Experian refused to follow up on any of the investigations I requested. 
5 ) why when I asked what federal agency polices ( not that this division of the government polices a thing )! was I directed to the wrong agency Experian would go along way by answering those questions. But they wont. You know it, I know it, they know it. 

The government will not force them to respond.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
Hello, I am XXXX XXXX. I am a veteran and I served 7 years in the XXXX XXXX I am just trying to fix my credit score and need help from XXXX XXXX XXXX XXXX XXXX. I have recently paid off a debt. I know that there is a 7-year time frame to remove it from my credit bureau reports. I have tried everything and have been going back and forth with Enhanced Recovery company and XXXX XXXX XXXX XXXX XXXX. 

I am trying to buy a home here in Texas and ask if you can please work with me and remove the XXXX balance paid from my three credit bureau reports. I apologize for my lack of responsibility and will never do it again. 

I am XXXX, I have been traveling the world and now ready to settle down and buy a home. Can you please help me accomplish this goal.

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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Its not a complaint but needed to get this updated and there was no link to do so, can u please update the info that I have a credit card now XXXX XXXX XXXX ending in XXXX issued from XXXX XXXX. This will help my score so please boost it thanks XXXX XXXX User 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 2020-06-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: MO

Complaint narrative:
Paramount Recovery Systems, L.P. sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from Paramount Recovery Systems XXXX L.P. was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called Paramount Recovery Systems at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through XXXX XXXX  ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a mortgage loan with Navy Federal Credit Union on XX/XX/2020. I submitted all of my income information, bank statements, W2s, tax transcripts. 

I was given an email address and phone number for the loan processor XXXX XXXX XXXX ID # XXXX Phone number ( XXXX ) XXXX x XXXX Email address XXXX I waited for 2 days on XX/XX/2020 I called XXXX in the morning for an Update. XXXX did not pick up so I left her a message. I called again 4 hours later, again no pick up and call back. On day 3 on XX/XX/2020, I called first thing in the morning around XXXX XXXX  thinking there may be a time difference, again left a message and no call-back. 

Day 4 on XX/XX/2020 I get an email with a document uploaded to my Navy Federal dashboard with my credit denial letter. 

I check my credit score my Navy Federal dashboard it is XXXX. They sent me a denial with a XXXX score. This enraged me since I had more than adequate income and availability of down payment for approval. I was not given a counter offer either and no one called me back. I feel they discriminated me as a minority and offer their no down payment programs to only their favored races. 

So I called them that even an FHA loan requires XXXX FICO, and my XXXX is XXXX then they said someone will call me back since I said I may file a complaint. I get a call this morning the lady says I need to call XXXX  because my credit score was under XXXX their guidelines. 

When I got denied credit, I applied at another mortgage company which pulled my credit again, which must have dropped my score from XXXX to XXXX, but that is still over their guidelines of XXXX. The mortgage company sent me a pre-approval and said I can start looking for homes. I even qualify for higher amount of loan. So I feel somewhere discrimination happened, either in processing or underwriting.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}

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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}

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 credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My husband and I were moving from one city to another and we decided to stop at Walmart to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months three credit cards were opened using our information. 

A TJMaxx card was opened using my information, I discovered that in XX/XX/2020. Since that moment I have been trying to remove this card from my report and has been impossible.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
I had an account with Flagstar bank which was opened with the sole purpose of paying a second mortgage. There are no Flagstar banks in Illinois where I live but I had direct deposits go into that particular account. I suffered a job loss and longer had direct deposits going into that account. The automatic direct debit made my account go negative until it was turned off. My account was negative {$440.00} plus {$36.00} overdraft fees. I called Flagstar and they were kind enough to reverse the fees and stopped the overdraft until I start making payments again. 

In XXXX when I got a tax refund, I trued to deposit a check through the mobile baning app. They rejected the check because they said I had altered one of the XXXX 's in 2020 ( Unblievable ). Since i did not live close to a branch, there was no way I could go and make a deposit, so I decided to send a XXXX. 

The XXXX did not go through. I spent over an hour trying to explain my situation first to the customer service rep and then later to her supervisor. They told me the account email address was valid but online it kept telling me it was registered with a different bank. I tried and tried and eventually had to give up. 

Today, XX/XX/2020, I logged to the bank to see if the direct deposit for a new job I found in XXXX went through and to see if it zeroed out the negative balance as I have had direct deposits going through since XX/XX/XXXX every Friday. I was informed by XXXX in Corporate in XXXX, MI that my account has been charged off and will be showing up on my credit. Unbelievable. This is after I had called repeatedly, sent in a check and XXXX a few times. His solution was for me to call collections and dispute the item on my credit report. Reference # 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
TIMELINE : On XX/XX/2020 we scheduled a payment to XXXX  ( XXXX XXXX XXXX XXXX ) through Suntrust billpay - this payment was deducted on XX/XX/2020 ( attachment # 1 ) For the first time we attempted to use Suntrust billpay as the wait time to pay XXXX  by phone was quite lengthy. 

On XX/XX/2020 I first contacted XXXX via their chat module through their website after the payment appeared on my Suntrust account ledger but not on the XXXX   account ledger. XXXX suggested I wait a few days because the payment was not yet in their system. ( attachment # 2 ) On XX/XX/2020 I contacted Suntrust and was given a trace number and merchant ID and instructed to call the billpay service and track down my own payment. 
I was also informed that the payment somehow went to XXXX XXXX and given the number to XXXX XXXX which I did not use. 
I did however call XXXX and leave a message with the transaction information provided me by Suntrust. This call was not returned. ( attachment # 3 ) Also on XX/XX/2020 I contacted XXXX  by message app since I had no luck with the agent when I had done the chat on XX/XX/2020, my hope was that they could assist me if perhaps my inquiry was in writing. I received no response until XX/XX/2020 AFTER I had already made a second payment by phone NOT THROUGH SUNTRUST BILLPAY ( attachment # 4 ) On XX/XX/2020 I called XXXX after once again noting that in their system our mortgage payment had not been received and made a payment by phone. ( attachment # 5 ) # XXXX XXXX XXXX XXXX <<<THIS IS MY CONFIRMATION # AND THE NAME AND EMPLOYEE # OF THE AGENT WITH WHOM I MADE THE TELEPHONE PAYMENT On XX/XX/2020 we faxed over a dispute based on instruction from Suntrust agents in order to have refunded to us our first ( and still missing ) payment from XX/XX/2020. ( attachment # 6 ) On  XX/XX/2020 our account was credited with a dispute return so quite naturally we believed our account had been rightfully credited the missing payment from XX/XX/2020. ( attachment # 7 ) What actually happened ( see attachment # 8 ) was a reversal of my telephone payment made on XX/XX/2020 ). 

The last three attachments are the letters we received from both Suntrust and XXXX both accusing us of having insufficient funds to process our mortgage payment and cutting off our billpay access. 

The end result is that we have paid our mortgage three ( 3 ) times. And we are still missing our XX/XX/2020 payment of {$1200.00}. 

Suntrust contends that we were refunded the XX/XX/2020 payment and has closed the case. 

A simple cursory review of the documentation would result in an acknowledgement of a banking error, instead we were given the run around and brush off treatment.

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 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: VA

Complaint narrative:
Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Loan number XXXX Mr. Coorper PXXXX XXXX, XXXX, OH XXXX Address of the property XXXX XXXX XXXX XXXX, VA XXXX I received a letter notifying tha my hazard Insurance expired, I don't know how it can happen when they are who has contact with Insurance Co.and do the payment. 
Immediately take a new insurance with my agent local one have me all my insurance. 
On XX/XX/XXXX I received another letter with a charge of {$74.00} for 23 days the lapse period the cost of this Insurance would be {$1100.00} per year, my insurance cost me {$500.00} per year Because I have to pay that cost if it is not my responsibility what happened Tanks

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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$860.00} XXXX XXXX {$0.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX   XXXX {$2000.00XXXX XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$95.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC
State: UT

Complaint narrative:
I've received four phone calls this week from the following company : CKS Financial XXXX XXXX XXXX XXXX, VA XXXX Both times a " XXXX XXXX '' has left me a voicemail notifying me that I would be taken to court, arrested if needed, and credit ruined if I didn't immediately call back their mediator by the name of " XXXX XXXX '' at ( XXXX ) XXXX. I have no outstanding debts owned by CKS Financial so this is clearly a scam. I have called the number for Ms XXXX twice and left messages notifying them that I am aware their tactics are illegal and to remove me from their list, but I continue to receive these phone calls on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
As I'm not aware of why this account is showing up as a collection on my report. I was willing to work with the company to rectify the situation and pay a negotiated amount just to have it removed. The company insisted it was my account and that I have to pay the full amount in order to have it stop showing up as a collection under my social security number. The company was unwilling to work with me but I need to get this matter resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation