vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a mortgage with Rocket Mortgage - it is a refi from a year ago. Over the last week I received approximately 10 phone calls and voice mails on a refi with them, even though it has only been a year since my refi. I finally, answer the last call and the sales person asked for 10 mins- I gave it to him. I told him no, clear and plainly. For me, the closing cost weren't worth it. 
5 days later, the loan paperwork can via XXXX. I immediately called them to stop the loan. They sent me to another salesman. He argued with me, got anger because I wouldn't agree to the loan. Statements like " why would I want to save money. '' He was getting more upset. 
Playing anger is a con for older people, so much so, that they will sign to appease the salesperson. I just wanted to make sure the loan process that I didn't signed up for wasn't happening. My question was never answered by him. He hung up on me with a rude tone. I called rocket mortgage back to speak to a supervisor to file a complaint, and to make sure that there was no loan in process. He said the numbers were started and that they would handle it internally. I have my doubts. If I wasn't paying off my mortgage sooner then later, I would refi with a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I reached out to Sallie Mae about my monthly payment this evening because I can not afford the current monthly payment of XXXX a month. The person I spoke with told me that I could extend the term of the loan and was give a monthly rate of XXXX that I told him I still could not afford in my current situation. I told him that I could more closely afford something around XXXX but no more than XXXX. I was told there was nothing that could be done other than forbearance. I said I didn't want to do that, that I am still trying to stay current on this loan so I don't fall behind and miss the payments. I asked if there was a different department or someone I could speak with that neither of those worked for me and was told there was no other department and that I could speak with their escalations department. I was transferred there and was told the same thing that I can either do that plan or I can do a forbearance. This agent also suggested that I could just pay what I can and when I fall behind on the loan that I can just talk to their in-house collections department to see what they can work out. I was given no alternative options and just told that they can do nothing until I stop making payments towards the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper assigned a loan specialist for me during my forbearance period. The phone lines don't allow you to enter an extension ( the letter assigning her had an extension ), faxes I sent and messages left for her all went unanswered. In XXXX, I was told if I made some payments during the forbearance period the " investor '' would reconsider my modification application. Three times it was confirmed that I had an application for modification to add the balance owed from the forbearance pending. Finally, today the lady I spoke with said " you were never eligible for a modification once they denied you in XXXX '' and the reason your application shows pending and then does not show up at all is that it is automatically declined without further notification. I was never sent a letter despite the application showing as pending and advising I would hear back within 30 days. I made up 6 months of payments during the past 4 months and paid monthly payments in reliance upon this. With Mr. Coooper, if you press 1 for COVID assistance you are automatically disconnected. I tried on 20 occasions. I spoke to someone at Mr. Coooper who acknowledged it and said, " you figured out to press 2 ''! This company has no intention of assisting people after their forbearance period. I have documented all calls and experiences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NC

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 2021-08-09 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: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
On XX/XX/2021 I disputed the balance of my mortgage with Rockland Trust to XXXX  through XXXX XXXX. Instead of updating the balance, Rockland Trust was totally removed from my credit report. I have been going back and forth with Rockland Trust and XXXX. Rockland Trust says XXXX  has to request information to put Rockland Trust back onto my credit report and XXXX  says the Rockland Trust has to report my mortgage to XXXX. I was also told by XXXX and by XXXX at XXXX  that even if I send a letter to XXXX  from Rockland Trust stating my mortgage is in good standing along with my mortgage statement, they will question the validity of the documents because they are coming from consumer ( me ) and not from actual creditor, Rockland Trust. Pease help. My credit score is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson capital systems has been reporting fraudulent charges from XXXX XXXX on my credit. 
I am a current XXXX XXXX customer and carry a XXXX ballance I have reported to XXXX and jefferson capital systems the fact of the fraudulent account. 

Neither have been able to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: AZ

Complaint narrative:
LTD acquisitions LLC is reporting a collections account on my credit from XXXX XXXX XXXX XXXX I have never heard of XXXX XXXX XXXX XXXX and i have never been to Missouri.

I have attempted to call LTD acquisitions several times but they never answer.

I never signed any documents for this debt as i have never heard of it, the original creditor, or the collection agency. 

I have never received notice of this debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: IL

Complaint narrative:
I obtained my credit report from Experian

online and found the following items listed on my credit reports. ( U.S. Bankruptcy Court ) was inaccurate. After seeing my report i sent a dispute letter of Method requesting the following 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute which this dispute letter is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). After Experian finish their investigation they stated that information being reported was verify with the courts and there will be no changes to my report. After receiving these results, I then contact the U.S. Bankruptcy courts office, asking them do they verify any information with any company. I was told that The United States Bankruptcy Court d
oes not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files.

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 2021-08-09 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: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to Jefferson Capital Systems. In my request, I disputed the unverified data and requested proof of debt. It is now XX/XX/2021 and the unverified debt remains on my XXXX  and XXXX  Report. In my request for removal- the debt agency claimed the debts have not been reported. The attachment has been supplied. However, the item remains on both described reports for - {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I communicated with Capital One in request for validation for proof of debt. In addition to validation of debt of closed accounts listed. It is now XX/XX/2021 and Capital one has yet to furnish any type of verification/validation of debt. 

Rather, these accounts remain on my credit report more than 30 days post-dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as Nationwide Recovery Systems. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, XXXX dropped my credit rating from XXXX to XXXX! How can they do this if the Nationwide Recovery Systems, Ltd.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but Nationwide Recovery Systems , Ltd. doe not identify their calls. How am I to know that their calls are not from scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
My account was hacked and took 3 weeks to confirm and close. I received notice XX/XX/XXXX that my number on the account had changed. Then the email. Chime claimed they fixed multiple times but did not. After attempting to fix with the bank and sending over personal identification chime was unable to secure the account so I chose to close it. I closed once and they confirmed the amount and the address to match what I knew then to be. 3 days later I call to recertification the account closed and funds mailed only for them to say the account was suspended due to suspicious activity. I again sent person identification and confirmed myself and closed the account. Chime confirmed my address and stated the funds were mailed. Only for the mailed funds to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: DISCOVER BANK
State: CA

Complaint narrative:
Please forward the information to DISCOVER BANK. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to XXXX. 

XXXX XXXX Bill of Sale  XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Contacted Jefferson capital on XX/XX/21 to see why I havent received a pic ltr and email.. spoke to a supervisor # XXXX XXXX XXXX from Jefferson capital he told me he received my check for {$150.00} that on the back of it stated by cashing this check you agree to pif and remove from my credit within 30 days he started getting loud with me and said that was never a green upon I let him know I spoke to XXXX agent # XXXX on XX/XX/XXXX and agreed on a XXXX  balance. I made an agreement placed it on the back of a check and they cashed it XX/XX/XXXX agreeing to the terms and now they are trying to send me a settlement in full instead of a payment in full and havent removed it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
i reported fraudulent activities to my bank but the bank refused to investigate, My account was credited any fees owed but the bank closed my account without investigating fraudulent activities Now this bank has a debt collector posting collection accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've been disputing 3 fraudulent inquiries on my Equifax credit report since XX/XX/2021 and one of the 3 inquiries remain ; the one from XXXX XXXX. I received a confirmation letter from Equifax stating that the 3 inquiries were deleted, however, one remains and Equifax refuses to remove it! 

Every time I call Equifax regarding this inquiry, the representatives always say, " well, it's coming off in a few months, in XXXX ( 2021. ) '' This inquiry was never supposed to be on my credit report! This inquiry needs to be removed IMMEDIATELY! 
I submitted another CFPB complaint against Equifax, who claimed to have mailed me a letter regarding their response ( to my complaint. ) I never received any correspondence from Equifax regarding this issue that's violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a {$900.00} credit limit. 

My current balance is {$330.00} However my available limit is - {$210.00} I have no extraneous charges. 

I have called the customer service line on the back of the card and they said that they may hold my payments for up to 10 days or more but it does not say that in the agreement. 

I would like to know why I have no credit available?

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 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Experian multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, 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 2021-08-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, 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