vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Hi, On XX/XX/XXXX - XXXX, 2019 I was contacted several times by Quicken Loans mortgage to apply for a refinancing loan. On XX/XX/2019 I did apply and after I was assure that I will get a better deal than my current mortgage situation, I applied for a cash out refinancing in order to consolidate some of my credit card debts. Based on my credit report, income, etc. the mortgage representative sent me the loan estimate and Uniform Residential Estimate. Based on the numbers provided I did agree to proceed with the condition that, these numbers won't change later. Two days later when, I tried to contact Quicken Loans representative with whom I started the loan, I was told that, that person left for a vacation trip and somebody else will take care of me. This was the first red flag. The new mortgage representative sent me a new loan estimate with different numbers this time and pushed me for signing the updated disclosure. Of course, I complained about the new changes, and asked to go by the first Loan Estimate numbers we agreed from the start. At this point I refuse to sign/acknowledge any document they tried to pushed it on me. I stated that it's not in my best interest and it was not what I was promised. From the start, I was assured that, if anything happened, I'm not happy or the loan won't close for any reason I won't be charge any money. It was not the case because I was charged {$400.00}  for the appraisal. I didn't close this loan or sign/acknowledge any disclosure, so I wonder why I was charged for a service I didn't receive? 
I believe Quicken Loans, through their mortgage representatives used a deceptive practice to lure me in with some " good deal '' and after that, change the Loan estimate 2-3 times, knowing that I will be pushed to accept their deal they'll try to offer me, which wasn't in my best interest. I tried a few times to contact them and ask for my {$400.00} I was charged for no service or any benefits received. So far nothing happened. I just want my hard work money to be refunded. Thank you for any feedback and help. 
Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion continues to report fradugelent accounts. I have sent all requested documents to have these items removed yet they are still on my report. Please delete the following account XXXX XXXX with the balance of {$530.00}, XXXX XXXX XXXX  the one that has been closed that is not mine, XXXX XXXX with the balance of {$310.00}. Please delete these accounts & the inquires for XXXX XXXX & XXXX XXXX they are not mine.

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 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX and XXXX XXXX sent the ftc and affidavit to them with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX and wells fargo sent the ftc and affidavit to them with no results

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 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
On XX/XX/XXXX I attempted to change my payment plan to a standard repayment plan. On XX/XX/XXXX I was notified that my student loans had placed in deferment. I submitted an email pointing out this error and requesting that it be addressed. In response I received a stock letter and no further contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-22 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX report. Midland Funding, XXXX acct. start with XXXXxxxx. In, are payment on XX/XX/19 of {$290.00} in XXXX reports in payment status it still says unknown. Im trying very hard to fix my credit. Please can this acct be removed completely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DC

Complaint narrative:
As a note - I didn't realize there was anything I could do about the issue I had with Mohela until recently. I figured they were just big bank getting away with all sorts of things - until I heard some news stories saying these loan servicers were involved in giant lawsuits. 

Originally, I had a government college loan ( unsubsidized ). As part of the agreement, if I made a certain number of on-time payments, my interest rate would be reduced. 

At one point, Mohela took over as the loan collector ( I don't have the exact dates of this, as the information is no longer available in my Mohela account because I paid off my student loan - several years early ). Mohela informed me that one of my  payments wasn't on time, so I wasn't eligible for the reduced interest rate. When I called to inquire how this was possible as I had setup automatic payments - they told me that one payment wasn't on time - and came from a bank account that wasn't my own. When I asked how that is possible - they said they weren't at liberty to tell me. And they couldn't tell me who the other payer was. Up to that point in my life - I had one bank account. So this was impossible.

My guess was that when Mohela took over, the payment for that transition month was routed through the previous lender. The person who took my call clearly didn't care - and enjoyed the interaction from what I recall. They offered no assistance and refused to help in any way. When I asked to speak to the agent 's supervisor - she refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax have me as XXXX XXXX  XXXX the fifth enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  have me as XXXX XXXX  XXXX the XXXX  enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted multiple request to delete unverified hard credit inquiries on my equifax and XXXX XXXX credit files these credit reporting agencies do not comply and equifax has sent me letters stating that they can not find my credit file. equifax request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am XXXX ( XXXX american )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
My husband lost his job and i contacted Ally Financial to possibly extend late payments to the end of the loan. I was told i did not qualify. I received a Notice of Default and right to cure loan letter i made one monthly payment as well as the late fees totaling {$700.00} on XX/XX/XXXX. I was still 2 months behind coming up on 3. I have since made arrangements with other creditors who were more than willing to work with me including entering a modification with my mortgage. I am struggling due to a temporary financial hardship and the only creditor that is not willing to work with me is Ally Financial? I obtained the loan back in XX/XX/XXXX and i am looking to keep the vehicle and i am trying to avoid filing bankruptcy. My husband has since gotten a new job and we are making an effort to get caught up, However we are unable to come up with 3 payments. Past due balance as of this complaint is {$2000.00}.

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 2019-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I sent my son funds through XXXX XXXX MTCN # XXXX. He went to Amscott XXXX XXXX XXXX XXXX FL to pick it up. He had the MTCN number and his Identification. XXXX at Amscot refused to give him the funds as she stated the funds were released from XXXX FL and he was picking up in XXXX FL. I was at a corporate event which I had to leave to drive up to Amscot and show my identification. I gave XXXX my drivers license and advised to release the funds immediately. I left only to find out they were still referring to give my son his funds. I had the turn around and drive back to Amscot again. They finally released the funds after I had to make two trips. XXXX was rude, condescending, patronizing and escalated the situation by her XXXX attitude. I would like to see XXXX removed from her position and XXXX XXXX no longer use this location. I send my son money through XXXX XXXX often. There were no red flags. This was harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Contacted Experian 7 times but they are still unable to correct the XXXX errors on the credit report

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 2019-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NV

Complaint narrative:
THE AMOUNT I OWE IS {$330.00} ... EVERGREEN PROFESSIONAL LOCATED AT XXXX XXXX XXXX XXXX # XXXX XXXX, WASHINGTON XXXX ... THIS COMPANY HAS FRAUDULENTLY SENT THAT I OWE {$330.00} ELEVEN TIMES TO MY CREDITOR REPORT AND SEVERAL TIMES THEY CHANGE THE AMOUNT TO MAKE IT SEEM LIKE A NEW AMOUNT THAT I OWE!!! THEY ARE COMMITTING FRAUD AND BREAKING THE FAIR DEBT COLLECTION PRACTICE!!! THEY CAN'T DO THIS!!!! THEY ARE HARASSING ME THROUGH MY CREDIT REPORT CAUSING ME ANXIETY AND AN ENORMOUS AMOUNT OF STRESS, IM GETTING XXXX AND CANT FOCUS OR THINGS STRAIGHT THEY ARE CAUSING THIS BY LYING SAYING I OWE " WAY '' MORE THAN I REALLY DO!!! THEY ARE GOING TO CAUSE ME TO HAVE A NERVOUS BREAKDOWN AND LOSE MY JOB OVER THIS!!! THEY SHOULDN'T EVEN BE IN BUSINESS BECAUSE THEY COMMIT FRAUD AND LIE!!!

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 2019-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC
State: NY

Complaint narrative:
CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. Jefferson Capital Systems LLC has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXXs identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX Jefferson Capital attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and  illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. 

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using salesforce.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 Sent an FTC Report the Experian, along with a letter, informing them of the information on my credit report. I informed them that they were not my accounts, and that they were the result of identity theft.I asked then to remove the accounts from my report per 605B of the FCRA. Its been over the allotted timeframe, and they have not removed all of the accounts.

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 2019-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. 

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark.

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using 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