vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
Credit Control is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both frontier and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I have been getting calls from Medicredit for a phantom debt that I dont own. They claim that I have medical debts from the XXXX XXXX which I have never visited. I researched the company to check if it was a scam call. The company is real and has had many instants of hounding people for phantom debt. I refused to contact the company since my research advised against it, warning that if you verified you phone or other person info they would go after you more aggressively. I have been receiving these phone calls about three to four times a month since the start of this year 2020. The most recent call was this week XX/XX/XXXX. Please stop Medicredit from going after phantom debt. I have worked hard to have good credit and I dont want a fabricated debt bring that down. I finally payed off my student loans this year so its been really bitter sweet to have to deal with Medicredit falsely threatening the credit score that Ive work so hard on with regular payments of my student loans.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I began my refinance with Freedom mortgage in early XX/XX/XXXX. All documents requested were provided to Freedom Mortgage by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I was not asked to provide an additional items and was informed the refinance with moving forward. I had been requesting status by email on the following dates : XX/XX/XXXX, XXXX & XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX. A detailed or proper response has not been provided. 

During this period my wife had no choice but to purchase a new car and take out a loan. However, her income is not being used to process the refinance. I have provided the information regarding the loan but was told an initial credit check was needed. We began this in XXXX and I have not provided any information why the initial credit check was not completed. The other item is an initial title review. The title report was available in late XXXX. Therefore, the initial title review has been delayed over a month. 

We continue to pay a higher interest rate and are looking for new employment but this is delaying us making any moves to help better our lives.

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 2020-10-29 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: GA

Complaint narrative:
On the week of XXXX the XXXX, I called Experian to correct wrong names and addresses that Ive never lived at. 

I was told that they will not remove the incorrect addresses or incorrect names.

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 2020-10-29 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: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX  XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX  XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute

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 2020-10-29 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: TX

Complaint narrative:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 


XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$230.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$240.00} Date Opened XX/XX/XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CA

Complaint narrative:
XX/XX/29 spent 1.5 hours on phone with loan service company trying to resolve. This company has put me on a restricted payment status with no missed monthly payments. All that I requested is to be able to pay online and to have no restricted payment demands imposed on me. While on hold with company I spoke to three representatives and was transferred multiple times having to explain the situation each time. When transferred to supervisor I was given a voicemail inbox. If the company successfully imposes certified check demands on me the cost of certified checks is {$8.00} each which effectively makes my loan {$2800.00} more expensive over the life of the loan. I am also on XXXX XXXX and was never given warning of restricted payment status where I can only pay by certified check. This company is literally making my life so difficult all while on XXXX XXXX in an already stressful environment. Because of this companys inability to resolve this problem I will be submitting CFPB complaints daily until this company is responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
When making a loan with a down payment of less than 20 %, an additional cost called the PMI was included and a charge of {$220.00} per month ( as additional insurance ) 4 years ago ( XXXX ) I made an investment of {$100000.00} in a new building on the property. Which considerably increased the value of it and 1- Two years ago ( XXXX ) I paid for a home appraisal to evaluate and eliminate the amount of {$220.00} from the PMI. 
I requested a list of certified home appraisal companies by the bank so that I could choose the company and they arbitrarily sent a home appraisal that I evaluated in favor of the bank and the number was below and they denied the request to reduce the {$220.00} A copy of the assessment, the calculations and a letter was requested because he had refused and they never sent it. 

2- Since XX/XX/XXXX I have called twice requesting the bank : A- overpayment reports in the escrow account B- Debt balance analysis with the assessment for the elimination of PMI {$220.00} always indicates that they are going to be sent to me and they never send it. 

Comment : The payments issued in the two years have already reached the estimated total of 80 % of the appraisal of 2 years ago. In addition, the property acquired value in those two years with a community of around more than 3000 new houses. I do not see that the bank has the intention to evaluate this request and looks for excuses not to eliminate this additional charge of {$220.00} If i am wrong just we need the paper to explain to me the calculation. the the bank have the responsability to show me that document from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried to get my yearly free report from Experian earlier this year and their site forced me to pay to get it. Now, they have been charging me XXXX per month for a monitoring service I am not even using. 

I tried fixing it online with no luck, and they do their best to make their phone system as complicated as possible. For all of the money that flows through their company, they should be able to fix their problems. Also, I can cancel my card, but then I have to change my auto deductions on all of my accounts. Experian, pay me back and stop fleecing the little guys.

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 monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX is reporting that My account is open and showing me late on Payments. The Account is closed and has been Sold to The Offices of Credit Management , LP  XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX My Reference number with Credit Management is # XXXX. 

I have asked for Documents regarding this account and they have refused to send me anything. 

I am willing to clear this up and make payment arrangements, however this does not seem legit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both XXXX  and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : 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 2020-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Company call several times a day passed the loan due date even when I have updated them on when I will be sending payment. I am not 30days or more late. They call in a very harassing manner, very poor customer service. I have gotten into several verbal disputes with them because different people call and no one seems to be updating their notes if any. I am in poor health and this has added too much stress, I am recently recovering from a XXXX XXXX and explained that to them, along with when I would be sending payment. And the harassing calls continue. I would prefer them not to call and to send correspondence thru mail or email. Even when my daughter called on my behalf to complain the manager was very rude to her. This company needs to work on its customer service skills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken Loans ( " Rocket '' ) engaged in predatory lending practices. Rocket used misleading advertising and promotions to target a borrower that does not have any financial resources. Rocket has a promotion with LegalShield that advertises a {$1500.00} reduction in fees. Rocket does not honor that advertisement. Rocket misapplied the down payment on the home to excessive and undisclosed fees at the closing ; thereby unlawfully increasing the debt amount by {$1500.00}. Rocket circumvented legal counsel and strong-armed into signing inappropriate documentation. These documents are not admissible in court and Rocket now seeks to enforce these unlawfully obtained signatures. These unlawful activities seem to be widespread within Quicken loans. The borrower made a formal written complaint to Rocket which should have been turned over to internal compliance. Rocket executives stated that they do not have an internal compliance department. Rocket used strong-arm tactics to enforce the additional principal and interest payments on the loan. Payments were made which were legally not owed, Rocket took the money and laundered it under US Law. Rocket has engaged in a pattern of Mail Fraud, Wire Fraud and RICO under US Law. Finally, Rocket sold the loan without proper disclosure ; thereby engaging in securities fraud. These issues are so widespread within Quicken/Rocket that all of their people know the registered agents address to serve legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: CA

Complaint narrative:
I received a notice in the mail from ClearPath Lending regarding a refinance on my existing VA loan. On XX/XX/2020 I spoke with XXXX XXXX, Senior Loan Officer, NMLS # XXXX. She gave me additional information regarding the refi. She sent me an email which looked very unprofessional and like a phishing email. I replied to this email and XXXX stated the email was blocked. I then called Ms. XXXX via the number provided in the email and left her a voice mail stating that the email had been blocked. I then called the number for ClearPath that I found on the web and the person on the other end would not verify if Ms. XXXX worked for them. In addition, she would not connect me to a supervisor at the company. Ms. XXXX left me a voice mail on XX/XX/XXXX stating that " If I was paying attention to the market, there was an increase in the basis points. '' She stated that I should send over my documents and lock in my interest rate before it increased. She never mentioned the voice mail I left her two days earlier. 
My concern is that I gave her permission to view both my credit report as well as my spouse 's credit report. There were many red flags in my opinion and I do not want to be a victim of identity theft.

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 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I am being harassed and notified to be sued if I dont pay a collection that I already disputed and showed proof of why I am not responsible for the collection. It was already removed from my credit reports earlier this year and my insurance has already sent forms to the other party and myself that these charges are not my fault. This has to do with an accident I have had on XX/XX/2017. XXXX ambulance took me to XXXXXXXX XXXX XXXX. They never sent me no forms of mail to me or my insurance company which is XXXX XXXX describing payment for ambulance ride. They sent a collection against me without contacting me first. I was notified about the collection two years later and my insurance had said it was there fault for not notifying me or them about the charges within a year. My insurance company also told me they sent the collection against me 30-40 days after my accident which is a untimely matter. If they wouldve just let me know about these charges back in 2017 my insurance company wouldve paid the amount. But they didnt and now my insurance company have sent forms and spoke to them that they are not to go against me or them for these charges. Professional Finance Co is the debt collector that is trying to sue me and harass me about this debt collection and Iam not responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: Nelnet, Inc.
State: MA

Complaint narrative:
Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation