vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We took out a mortgage in XX/XX/XXXX and although we had excellent credit at the time, interest rate was 5.2 percent. The following year they called and offered to lower our interest and payment. Suddenly they canceled the refi and everything went to XXXX. We filed Chapter XXXX and signed a reaffirmation. The BK was discharged and they sent us a letter for a loss mitigation program. We applied and they approved us immediately. It lowered the interest rate to 3..8 percent and the payment went from {$1900.00} to {$1400.00} per month but the term changed from 30 years to 40 years. Since it is an FHA loan we had to include an escrow payment which they said would be {$240.00} per month. We paid the 3 trial payments and now suddenly the escrow has ballooned to {$600.00} per month and our mortgage payment is higher than before. 

Now yes, I understand not getting approval for a loan. However, what I cant abide is someone calling me making pie in the sky promises on which they can not deliver. Its just a XXXX thing to do to people. To tell a retired person they are going to save {$1200.00} a month and get rid of the PMI only to retract the statement a day later is an emotional roller coaster I would rather not ride. 

Im really offended at being manipulated and exploited as a financial product. 

Raising our escrow payment - in fact demanding wildly fluctuating amounts WITH NO SUBSTANTIATION citing a new escrow analysis that they have yet to provide, all the while sending letters threatening foreclosure. This is unacceptable to us and a terrible business practice. 

Quicken reported us on XX/XX/XXXX to the credit bureau for being late? 
The program Quicken pitched to us is called APPLICATION FOR SUCCESS! How is the in any way making us successful? 

First of all, on XXXX XXXX we were still under protection of the automatic stay of BK. Secondly, what damage was caused to Quicken when they had already set up autopay for the trial modification and added TEN YEARS of interest to our loan. In XXXX we paid XXXX in interest on our loan. Does this count anything? 

In XXXX we handed over {$40000.00} cash to Quicken as a down payment plus and additional XXXX in closing costs. Does this seem to be the behavior of someone not taking this seriously? 

Recent notice of autopay for XX/XX/XXXX. At NO time did we authorize this. Please check your recorded lines, there is no record of it. 

They treated us like low rent XXXX. All of this could have been prevented if they would have just given us the refi in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO 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 non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
My funds from my XXXX XXXX XXXX was garnished without me being notified of a court date or summons on XX/XX/2020. The company is XXXX XXXX  which went out of business almost three years ago. My bank states it was a legal order which I have no knowledge of and never was notified until I was declined trying to make a purchase with my debit card. I receive government funds which is not directly deposited into my account but is deposited after its received. I tried to explain this to my bank and debt collectors with proof and have not been able to get retrieve my funds back. I am on a fixed income and only get money once a month I am now facing eviction and repossession of my car as I can not pay the amounts due. Approximately about {$400.00} of money was garnish from my account with XXXX XXXX XXXX and I am left with legal order fees and others that automatically is paid through my bank. I have tried to resolve the matter and not getting any response or action. This is not okay especially not being able to defend this action taken against me. The address they have on file for me I have not lived there for years and it was stated that is where I was served which is not the truth. I dont know what to do as of now to retrieve my funds back as I am disable and live on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: VI

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: VI

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-08 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: VI

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Debt has been paid in full and was agreed to be removed from credit report as well as rental history.

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 2020-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XX/XX/XXXX : I discovered a collection account on my credit report listed as XXXX XXXX. I have two current and open accounts with XXXX and that is all. I did not recognize this account so I filed a dispute with XXXX and XXXX. B XX/XX/XXXX Both disputes were completed as " verified/accurate ''. 

I have never received any written notification nor any voicemails from the collection company Lvnv Funding LLC. I attempted to contact this company twice. The first time I called I waited on hold to get through to someone for 17 minutes. Once someone got on the line, I was placed on hold and disconnected. I attempted to call again the following day and spoke to an extremely rude woman who did not let me finish speaking. She advised she was unable to help me because I did not have an account number. I only had a partial account number that I found on my credit report. I tried to explain to her that had I received proof of debt in writing, I would be able to provide the account number. I requested a supervisor. Placed on a long hold again only to be disconnected for the 2nd day in a row. After wasted time and effort, I decided to file this complaint. I do not recognize this debt and am prepared to seek legal assistance to get this removed from my credit report. The way this company operates is setting off many red flags to me. Had they complied provided me with assistance and mailed me proof of debt in writing, I wouldn't file this complaint. The sheer fact they treat people like criminals regardless if the debt is valid or not is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2020-01-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. 
Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2020-01-08 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: VA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
I AM 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 non-monetary relief
Consumer complaint received 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

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 2020-01-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

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 2020-01-08 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: CA

Complaint narrative:
I AM 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 2020-01-08 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: N.A.R., Inc.
State: UT

Complaint narrative:
A few years ago my husband and I went through a bankruptcy. After the bankruptcy was dismissed I received 2 bills from NAR requesting payment. I contacted them immediately and let them know they should have been covered in my bankruptcy. They told me to contact my attorney and find out if the debts are owed. I reached out to the attorney which took a while, but he stated that one of the bills they were trying to collect was in fact included in the bankruptcy however the other was not and I needed to make arrangements to pay that one as it was for a date of service a couple days after filing. I again contacted NAR and shared the information I had obtained. They said, " sorry '' for the " mistake '' of trying to collect on the debt that was dismissed and gave me the balance on the other which included several fees and negative credit reporting. I told them that they made the mistake to collect on a discharged debt and I made a mistake by thinking they were both in the bankruptcy however I had contacted right away and disputing those and now trying to make that right. I felt it was fair that they remove the fees and negative credit reporting. I was transferred to several different employees and back again. For at least 3 years now I have called off and on to try to get this debt settled and removed from my credit. Each time I go through their transfer game, get a voicemail that is never returned, and a promise for supervisor review and a call back within 48 hours that is never returned. I sent an email over a year ago regarding the situation and telling them I was going to file a complaint that they continue to report on my credit but on not following through to allow me to properly manage the debt, not returning my calls when I have been told it is noted in the file several times. Same thing, calls and promises of call back with nothing. They never sent me a bill in the mail since the one that raised the question to begin with and have not sent anything since. They just continue to refuse to have their upper management review the file and come to a solution since they obviously made mistakes that violate the debt collection act as well. Now they continue to cause harm by reporting and not returning calls I am making to them. They also at one point did offer me a settlement that took a portion of the fees they have added off but told me they could not put it in writing for me that it would satisfy the debt in full. Another issue since this company apparently can not be trusted to keep their word and not engage in shady collection practice. I would like them to provide me a copy of all of the file notes from representatives from the date that they opened the file. I also have copies available of the bills they sent available upon their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I APPLIED FOR AMERICA EXPRESS VISA CREDIT CARD ON THE XXXX AND XXXX XXXX XXXX.MY APPLICATION WAS FIVE TIMES.MY APPLICATIONS WAS FOR FIVE COPIES OF AMERICA EXPRESS VISA CREDIT CARD THAT WAS MEANT FOR FIVE PERSONS.I USED FIVE DIFFERENT NAMES TO APPLY FIVE TIMES FOR AMERICA EXPRESS VISA CREDIT CARD ON THE XXXX AND XXXX XXXX XXXXTHE AMOUNTS WERE ABOUT {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: GA

Complaint narrative:
I have sent numerous of letters and supporting evidence the wrong account was removed from my report and the fraudulent account still remains

Company response to consumer: Closed with non-monetary relief