vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
XX/XX/XXXX NAVIENT reported all 3 of my my student loans as 90 days late, when ithey should have been in deferment status ( since XXXX ). 
I talked with Navient on a few ocassions when they indicated that there was an administrative lapse in the deferment. After initially speaking with Navient,, the account was returned to deferment but they said is wasn't possible to remove from credit report, This school loan is still in deferment. 
This school loan on my credit report is hindering my last hope to buy a house using my VA home loan benefit because is causes an unnecessary misbalance on debt to income ratio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
for a year noiw been having alot of troubles with phh mortgage since they took over the loan klast XXXX from ocwin ... this is the third time im contacting you for assistANCE ITS THE 3 DIFERENT PROBLEM IVE HAD WITH THEM THEY CONTINUALLY TAKE MONEY FOR ESCROW ACT BUT DONT PAY ANYTHING AND I END UP PAYING FOR THE TAXDS AND INSURANCE ... THEY WONT DEPOSIT THE MONEY BACK TO ME OF {$790.00} THEY SENT ME A CHECK IN XXXX THAT I GOT AND I WENT TO XXXX XXXX XXXX  AND DEPOSITED IT THEY IMMEDIATELY BOUNCED IT ON ME IT WAS WRITEN TO ME AND DEPOSITED INTO MY ACCOUNT AT XXXX   XXXX XXXX  COSTING ME {$12.00} IN THE CANCELED CHECK THEY PUT ON IT ... NO REASON DID THEY EVER GIVE ME FOR DOING THIS TO ME ... THEY SENT ME ANOTHER ONE AND I RIPPED IT UP AS NO WAY I COULD TRUST THEM TO DEPOSIT THIS CHECK AND GET IT BOUNCE AGAIN ON ME AND ANOTHER XXXX BUCKS I SENT IT BACK TO THEM TELLING THEM THIS ... WHAT DO THEY DO SEND ME ANOTHER AND I RETURNED THAT TO ... AGAIN STATEING YOU TAKE MY MONEY AUTOMATICALLY OUT OF MY BANK ONLY WAY I SEE YOU GETTING IT ACK TO ME IS ELECTROCALLY DOING THIS AFTER A YEAR OF SOLID MULTIPLE PROBLEMS TENDING FROM NO 1040 FORM FOR TAXES WHEN THERE WERE TWO OF THEM LAST YEARS AND NOT LETTING ME INTO MY ACCOUNT AND FREEZING IT ON ME TRICE ONCE IN XXXX NEXT IN XXXX AND XXXX..WHICH I HAD TO COMPLAIN TO YOU HERE TO BEABLE TO LOG IN ... I DONT GET A BILL FROM THEM ITS ONLINE ONLY TO THEY WONT TALK TO ME ON THE PHONE MULTIPLE TIMES HANGING UP ON ME IN XXXX XXXX XXXX XXXX XXXX AND XX/XX/2020 ... .I DONT TRUST THEM AT ALL ... .THEY BOUCE THE CHECK THEY WROTE TO ME I TRIED TO PUT INTO MY ACCOUNT AT MY BANK THEY NOW CLAIM CAUSE OF FRAUD WHAT FRAUD IT S MY ACCOUNT WRITEN TO ME ... AT MY BANK!!!!!!!!!!! ... .THEY KEEP PLAYING GAMES SINCE XXXX NOT RETURNING MY MOMEY CALLED AND THRETEN ME ABOUT NOT HAVING HOME INSURANCE IN XXXX BUT SENT ME A LETTER A MONTH TO LATE LIKE I SAY INCREDIABLE MULTIPLE DIFFICULTIES AS HOW CAN I TRUST THEY WONT BOUNCE ANOTHER CHECK ON ME IT HAS TO GO DIRECTLY IN ... OR PUT IT ALL TOWARDS MY TAXES AND STOP TAKEING MONEY OUT FOR IT ... .HAS TO BE A MONEY ORDER SOMETHING THEY WONT BOUNCE ON ME ... ONLY WAY I SEE IS DIRECT DEPOSIT TO ME ... PLEASE HELP WITH THIS HORABLE COMPANY PHH MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I applied for re finance of my mortgage from quicken loans, i was assured that if quicken loans will not able to approve my loan they will refund my my deposit money {$470.00}. 
I never sign a document which explains that if quicken loans refuse my loan they will not refund my deposit money. 

When I asked you are refusing my application therefore please refund my deposit amount I am being denied, I was cheated and my loan number XXXX and deposit agreement can be seen I had not signed.I request you to please take a proper action for the recovery of my deposit money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Ph XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-08-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX My employer is The XXXX XXXX XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PASTOR XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, XXXX, GA XXXX My employer is XXXX   XXXX XXXX  XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 2020-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CT

Complaint narrative:
Fed Loan servicing I have requested by mail on XX/XX/XXXX and by phone twice, a copy of the master promissory note that involes a direct unsubsidized student loan totaling {$40000.00}. This loan was taken out in XXXX for the amount of {$23000.00} and has been sold off, refinanced, forbearanced etc just to keep the loan accruing interest. I have never been able to " qualify '' for any of their programs.I was given this loan erroneously and am now in the process of disputing the validity of this loan with the Department of Education, thus the original loan paperwork is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ALLY FINANCIAL with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part.

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 2020-08-12 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I am enclosing my dispute information in the pdf. As of XX/XX/11 Citibank has again sided with the merchant but has not provided me with any documentation electronically ( email, website etc. ) or otherwise as to the reason why or the documents that merchant supposedly made available to them or its response.

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 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Contacted Santander in reference to a vehicle loan in XX/XX/2020. The vehicle was totaled 2 years ago however after the insurance company paid them {$15000.00} Because of the extreme interest I still had a balance of {$8000.00}. Ive paid until until the Shelter in place order in GA came up. I called them in good faith to settle this account since I dont have the car and just want to make good, but was denied a good option. I sent a request on Social media ( XXXX ) and to spare themselves the publicity someone reached out promptly with an option of reducing my payment by {$1.00} per month. I reached out again on XX/XX/XXXX and to escalate this matter and yet to receive a response in which I received an automated response stating Someone will contact me in 24 to 72 hours and weeks later nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted an online dispute with Equifax on XX/XX/2020. Today is now XX/XX/2020 and the two disputed accounts still show " Consumer Disputes - Reinvestigation in Process. '' XXXX XXXX XXXX - XXXX - Reporting as a Charge-off account which is inaccurate. 

The XXXX  XXXX XXXX  - XXXX - Reporting as an Open Revolving account which is inaccurate.

I called Equifax on four separate occasions today and spoke with four different agents. I informed them all that the accounts were still in a Reinvestigation status and I have not received results within the required 30 days. They all verified what I was saying was true. They verified the dispute start date. They also verified that the accounts were still showing a Reinvestigation in Process status. I told them that I was patient and decided to give 45 days to receive the results. It is now past 45 days. They informed me that they would not delete the accounts ; which is a direct violation of the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I first called XXXX XX/XX/2020 to have them make a thorough investigation of my previous account with them to make sure if any payments were owed. They said my accounts were closed with no payments needing to be owed. 

I followed up with to inform them of my status with XXXX & kindly asked if they have any proof I'd still be happy to take care of the payment but if there isn't any please address. 

Credit Control Corporation Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Hours : Closed Opens XXXX Wed Phone : ( XXXX ) XXXX - Aggressive, Rude, Short. No attempt to discuss and provide proof of what I need to pay.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HAMILTON GROUP FUNDING, INC.
State: FL

Complaint narrative:
I was the seller side of the transaction. The contract I signed with the buyer indicated I would contribute up to {$6000.00} towards closing costs. When I received settlement statement the lender applied part of the {$6000.00} towards prepaids such as taxes and insurance. These are not closing costs. 

We contacted the lender, Hamilton Funding Group, and spoke with XXXX XXXX. XXXX indicated I was incorrect and proceeded to get the buyer worked up thinking I was incorrect. 

XXXX injected herself in the middle of this by providing incorrect advice which caused me to pay an additional {$2600.00} in fees that I was not contractually obligated. Bethanys action as a representive of Hamilton funding caused me financial harm by her negligence and misinterpretation of the contact as prepaids are never considered a closing cost, they are prepaids of items that are not closing related ( taxes and insurance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: INTERCONTINENTAL CAPITAL GROUP
State: NV

Complaint narrative:
Intercnontinental Capital Group, XXXX. 

Is sending out letters to VA home loan owners, offering them a {$100.00} gift card to refinance their home. The Letter does not indicate that anything is required to activate the card other other than to call them. Once you call, if you are not willing to complete the refinance questions they will not activate your card and just hang up on you. 

This is false advertising and misleading, specifically targeting veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
When COVID became an issue we contacted Loancare because I had been laid off due to COVID, they were super eager to help me sign up for a forebearance. Told me the process, got it done. Assured me that once I was back to work all I would have to do is notify them, they would do a loan modification and add the payments to the end of the loan, essentially extending the term of the loan. I only needed the assistance for 3 payments, I went back to work and notified them. I was then told to fill out an application to get the process started to modify the loan, I did that. I rec 'd an email stating it was being processed. Never heard anything else. Went online, made my next payment, assumed everything was fine. Come to find out they put me in a program that my type of loan did not qualify for. Now they have locked me out of making payments on my account and will not take any payments unless I make 3 payments right now. I am on hold right now and have been for over 45 minutes waiting to talk to someone else. Last week we were told it wouldn't be an issue to make any payments because they were just still in the process of processing my application. So now they have marked me as in default. Oh and, they just hung up on me

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I received a letter from Comenity Bank on XX/XX/2020, card issuer of New York & Company advising that they closed my account as of XX/XX/2020 without any warning. I have paid the balance off on this card and have established an excellent payment history with no deliquencies. The reason why my account was inactive was because I lost my job during the pandemic and could not make desired purchases including use my store cards. I am appalled that during this tough time, that New York and Company/ Comenity Bank would tank my credit score and close my account after I was not late and paid this card on time. This inconvenient decision shows me that Comenity or NYC has no integrity or loyalty to their customers even the cardholders who make it a goal to have excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I gave PA unemployment my checking account # and routing Number for direct deposit with paypal. Paypal received this money in XX/XX/2020. Paypal asked for a valid ID which I sent them after renewing it with SC. SHOCKINGLY, paypal closed my account, and has denied me access to my funds. {$620.00} is being held by PayPal and I am being told they will not send it to me for 160 days. This whole experience is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Transunion, XXXX  and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.

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 2020-08-12 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I paid all Debts to Allied Business Services, accounts are listed as closed, and not Paid in Full. 


Please furnish all details relating to why the account has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
Notice for Proof of Claim Account : SOURCE RECEIVABLES MNG To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor w
rites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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