vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
A representative who identified himself as XXXX ext. XXXX called my cell at XXXX Central on XX/XX/20 from a phone number of XXXX. The representative became very pushy when I told him I would settle the account on XX/XX/XXXX for a settlement amount of roughly {$1100.00} & a deletion letter. After becoming very rude I told him the hard sell approach doesn't work with me & I would make it a point to pay another representative to ensure he doesn't get the commission. He proceeded to tell me he'd be moving the account into his name & whenever I call in I'd have to speak with him. He then terminated the call. I called a second time at XXXX and he answered & hung up on me again. I called a 3rd time at XXXX spoke to a representative who identified herself as XXXX . I requested she note my account that the last representative was very rude & that I'd like to make a formal complaint. I was informed XXXX was a manager there and that she didn't want to " get in trouble ''. I requested to be transferred to the Human Resources department & she agreed. I was then transferred to XXXX again and from there proceeded to tell me unless I'm ready to make a payment there was " nothing to talk about ''. He proceeded to hang up on me for the 3rd time. I called a fourth time I spoke with a male representative who I asked to transfer me to the customer service department. The representative put me on hold, and XXXX again got on the call. He told me human resources doesn't speak with anyone externally & that he handles all the complaints for the entire company. He told me there was no way to file a formal complaint but to tell him what happened. To say the least this was very unprofessional. I feel the way he screamed my social security number & date of birth was very concerning. I feel that I was denied the opportunity to file a proper complaint. I feel I was verbally abused on this phone call while I was at work. I'm concerned that other employees refused to transfer me to any other employee. I understand collections is tough but the fact that a manager is allowed to conduct himself this way on a call is alarming. Obviously there is a lack of training, I only gave him 2 objections before his melt down. His rebuttal to requesting a call back on XX/XX/XXXX was " Why? ". I suggest he role play more & also someone play the call back for him that generally helps. I hope this reaches someone internally who will hold him accountable. These are challenging times in our country, you guys are calling people with real problems. We don't need to be berated by a telephone tough guy on top of everything else. Hope you guys handle this internally because it's the right thing. But if not do it because this guy is not very good at his job, he should be in a training class not managing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I applied for a refinance on my own in XX/XX/2020 with my current lender Mr. Cooper aka Nationstar. I paid for an appraisal and worked through the process of the loan. Without further notification I logged into the web portal for Mr. Cooper to find out that my refinance loan had been closed. This was in XX/XX/2020. To date, I have not received a response as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NV

Complaint narrative:
I have a car loan with XXXX XXXX. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called XXXX and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. XXXX XXXX reported my account delinquent to Experian and XXXX. I called XXXX and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with experian and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital called me today I told the woman that I couldnt speak to her at the moment because I was helping my daughter with homework for school she calls my mothers home phone 5 mins later I told her not to call that number because it wasnt my phone she began to become very rude and told me She can call all she wants until I spoke to her I said legally she couldnt because we were on a recorded line and I asked her not to call Ive also asked for the debt in writhing which I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TX

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mobiloans, LLC
State: MO

Complaint narrative:
I received an offer by mail from mobile loan. They offered me a pre qualified loan and at the time I filled out the application online. The result was a denial and they E mail blasted my personal information social security number bank card information all of the personal information you would normally associate with a loan to 68 payday lenders for their review. I felt the tactic was misleading to say the least and dangerous to my personal information to say the most. This kind of misleading advertising should not be allowed. I would like to see them honor the Offer they put out are at least stop these misleading mailers. 
Regards, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-09-23 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: TX

Complaint narrative:
Hello, I sent 3 dispute letters to XXXX, XXXX  & Equifax around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time.

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have disputed with XXXX  and, XXXX XXXX XXXX XXXX XXXX also Lvnv funding llc, I have written them letter to no avail, XXXX is the only one who has obey by the law 609, I have not received from transunion or XXXX XXXX XXXX XXXX or lvnv funding llc nothing with my signature on it I would like for the law to be put in place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2020 I received an alert that I had a new inquiry on my credit report from Sychrony/Amazon I immediately contacted the vendor to dispute this inquiry and the representative stated they did not know how the application was put through being that when she attempted to verify my information she could not because the actual application did not even have my correct social security number. The representative stated she would send an electronic notification to XXXX  to have the inquiry removed but could not provide me with a copy of this notification. I asked for this situation to be expedited which she said she would attempt to accomplish. After numerous calls to both XXXX  and Synchrony Bank/ Amazon . I have yet to receive a resolution to my issue. The last supervisor I spoke with at Synchrony states that a deletion letter was sent to XXXX   and I will receive a copy of it as well in 7-10 days and that time has elapsed already since the inquiry.

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 2020-09-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Dating back to XXXX, my student loan monthly payment has been due on the XXXX of each month with a grace period lasting up to the XXXX of each month. My statements clearly state, " Pay Past Due Amount by <Date that grace period ends> to avoid Late Fee ''. On all but one or two instances, I have met that deadline, submitting payments on the XXXX and received email confirmations that state payment has been " Scheduled for <Date that grace period ends> ''. In addition, when I log into my Navient account and review my account history, the payment dates all show XXXX or XXXX ( with the one or two exceptions I noted above ).

Despite meeting the payment deadline stated in my monthly statements, I have incurred late fees on 9 occasions in the past 24 months. On XX/XX/XXXX I called Navient and spoke with a customer service representative to discuss the late fees I incurred. The explanation that I was given was that payments can take 24-48 hours to process AFTER the date that the actual payment was submitted and this is the reason for the late fees being charged. I explained that information is not provided to the borrrower in any way - not in the payment confirmation email, not in the monthly statements, not in any of the correspondence sent by Navient ( loan documents, account history, email ). This lack of notification is preventing borrowers the opportunity to rectify the issue ( adjusting payment dates to take into the consideration of the 24-48 hour processing delay ). 

With every other bill I pay, those companies honor the date that payments were submitted, regardless of when the payments are actually processed, and no late fees are charged. I don't understand why Navient fails to handle payments in the same way and borrowers need to be made aware of this in every way possible - when they log into their accounts, in the payment confirmation emails and stated clearly in the monthly statements so that they can make necessary adjustments to avoid being charged late fees when submitted payments on the day the grace period ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A debt was added to my credit report from LVNV FUNDING LLC, upon calling LVNV collection to validate the debt, I was told they cant validate the debt, I ask that this debt get deleted from my credit report, for the failure to provide proper validatiion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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:
On XX/XX/2020 at XXXX I called Experian about have they received the Certified Dispute Letter -Tracking Number : XXXX, which Experian received on XX/XX/2020 at XXXX. I was speaking the representative and asking her about the Certified Dispute Letter that I sent. The Experian representative told me that the dispute was settled on XX/XX/2020 for XXXX - Account XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX - XXXX. I asked the Representative how is that possible when XXXX, XXXX XXXX XXXX and XXXX XXXX did not Validate the accounts when I sent all three of them the Letter of Validation according to the FCDPA & FRCA. I have proof the only thing that were sent was a bill and anyone can send a bill. The three company did not Validate the alleged debt according to the FCDPA. Upon speaking with the Experian Representative she stated that Experian is a data collection agency. I told the Representative that Experian did not Verify the information according to the FRCA and that Experian is required to Verify the data that is being reported on my Credit Report. I told the Experian Representative that they have Violated my rights according to the FRCA. The Experian representative stated the dispute was closed on XX/XX/2020 and I asked her how when Experian did not Verify data that is on my Credit Report. The Experian Representative was trying to over talk me and would not listen to what I was saying. I asked the Experian Representative for her name and the Experian Representative hung the phone up in face on XX/XX/2020 at XXXX EDT. Which is RUDE & VERY  UNPROFESSIONAL!!!

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed with Equifax and, XXXX XXXX XXXX XXXX XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  I have written them letters to no avail, XXXX  XXXX is the only one who has obey by the law 609, I have not received from Equifax or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX nothing with my signature on it I would like for the law to be put in place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
On XX/XX/2020, this company added 2 accounts in collections to my credit report. I disputed both of the accounts since I had no idea what they were related to. One account was removed since it could not be verified by XXXX. The second account was deemed accurate. I just received notifications of the outcome from XXXX  today, XX/XX/2020. I proceed to call Aargon so that I can find out what this account is related to. The rep could not provide me with any information that I requested so he stated that he would have to request more information and that he would have to call me back. I told him that I would like a copy mailed to my address on file. He let me know that that was not going to happen since it is personal information. This is interesting that this account is attributed to me but no one can provide me a hard copy. He proceeded to get irritated. At this point, I asked to speak to a supervisor. I was placed on hold, a message came on stating that I need to leave a message and the phone disconnected. I am not sure how I am expected to be responsible for something that is allegedly related to me, but I can not receive information on it.

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

I have had to call multiple times over 6 months to try and get this resolved from my credit report, which they listed me in forbearance which tanked my score. They disputed the fact that I was in forbearance and they refused to remove the forbearance from my account for the past 6 months. I am also receiving letters about being in forbearance even though I did not want to be in forbearance.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a bill for {$490.00} from XXXX XXXX XXXX, a collection agency They said I have a XXXX account balance thru Wells Fargo Bank The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched

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 2020-09-23 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: FL

Complaint narrative:
I continue sending mails and dispute to Experian regard these unverified and inaccurate accounts on my credit file. I've attached the items and the reason for the deletion

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I spoke to Chase and they changed the 30 year mortgage to a 40 year mortgage. This reduces the payments. I have been making the payments on the first of every month as requested. Yet, the people from the original mortgage are not aware that I have this modification. They continue to call and send letters telling me that I have not paid the mortgage.

Company response to consumer: Closed with explanation