vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
everything started when government announce that companies can give a 3 months forbearance in the mortgage because of the COVID 19 Pandemic, I called my mortgage company and they told me to apply online. I did apply online and I got a response that my file will be in process, after that I did not hear from them, no emails, no letters in the mail. they said that they called me, but with all the calls were were receiving from collection agencies. i did not put a lot attention to phone calls. after couple month of hearing anything almost at the 3rd month, I received an email from one if my credit card saying that my credit was poor. they i dig into that finding out that I was late in my mortgage. I call the loan servicing ( LOAN CARE ) and they were not only rude about, but they stated that they call me and sent me letters which I did not received, and they told me that i can apply for a forbearance plan, which I did and now they dont want to take any payments until they get an answer from the investor. after that they transfer me to customer service and they told me that they didnt not send me letter to communicate because i have an electronic communication, but also they never sent me an email on this matter. my job is been affected and stops completely for almost 4 months. but i am willing to start making payments. thank you

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 2020-08-03 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}

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 2020-08-03 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX $ XXXX XXXX XXXX XXXX {$150.00}

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit collections company is fraudulently attempting to collect a debt on behalf of XXXX XXXX XXXX for a former debt that was charged off by XXXX XXXX XXXX. 
This company uses illegal collection practices in addition to XXXX XXXX XXXX. Both use illegal collection activities. Both XXXX XXXX XXXX and Sunrise use harassment techniques by phone to record false information instead of discuss the discharged closed 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 2020-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
On, XX/XX/2020 at approximately XXXX XXXX, I contacted Mr. Cooper, my current mortgage holder/servicer, by phone, to discuss a possible refinancing or home equity line to finance home repairs. I was asked about my employment and answered that my wife is self employed and I have an employer. The representative told me that currently, they are not underwriting self employed persons and so therefore only my income and credit information would be considered. 

I was asked for permission to pull my credit report, which I gave. I was not asked if it was okay to pull my wife 's credit report and the representative had just explained that she could not be considered with regard to this loan. Because we use credit monitoring services, we were immediately alerted to the fact that a hard credit inquiry had been made on my wife 's credit report. 

A hard inquiry is a 25 point hit to the credit score, and my wife has been working to rebuild her score and is judicious about things that would detract from it. 

We were told she could not and would not be considered in the loan review, so her credit information should not have been pulled. Furthermore, before initiating the credit inquiry, if they had asked me to provide my score, I could have provided it and they would have known it was below their threshold. So, for us, merely asking for information about the financing possibilities resulted in a credit denial and derogatory marks on our credit record for simply seeking information to make decisions with. 

This is a problem not only with the company 's practice in this instance, but also with the credit system. Seeking information to make good decisions with should not result in derogatory marks on credit. It's completely counterproductive to consumers getting information to penalize consumers for seeking the best credit terms available to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
XX/XX/XXXX - I paid XXXX XXXX XXXX  ( XXXX ) {$500.00} via debit card for services rendered, including intake tests via an outside facility ( XXXX XXXX ), since XXXX did not provide coverage for treatment at XXXX. The XXXX XXXX XXXX specifically said the {$500.00} was for medical tests performed outside of XXXX. 

XX/XX/XXXX - I paid XXXX an additional {$24000.00} cash via MasterCard, Visa, and XXXX XXXX credit cards. XXXX   business office assured me no further charges would be  requested since I was paying cash. However, they would submit claims to XXXX just in case XXXX would reimburse some of the fees. 

XX/XX/XXXX - I received a {$370.00} bill from XXXX XXXX for services rendered on XX/XX/XXXX through XX/XX/XXXX which totaled {$520.00}. XXXX paid XXXX a portion of the bill ( when XXXX theorectically should have reimbursed me instead ).  However, XXXX still charged me the remaining {$370.00} ( which I had already paid XXXX ). I continued to receive this bill from XXXX XXXX even after I explained I had paid XXXX cash for all services rendered. 

XX/XX/XXXX - I called XXXX again, after receiving several more bills, and told them I had paid XXXX already. They responded that I owed them {$370.00} for services rendered anyway. I wrote a letter to XXXX explaining I did not owe any money and that I had already paid XXXX. They returned the letter with a statement that I must pay XXXX, and subsequently turned my account over to a collection agency, ALLIED. This is now on my credit report. 

I filed a dispute via XXXX. The result of the dispute did not change the situation. 

After many attempts to contact the XXXX business office ( no one was answering the phone, email was returned as invalid ) I was at a loss of what to do. 

XX/XX/XXXX - XXXX sent me a bill for {$48000.00}. This bill said I had not paid ANY portion of the billed services. I continued to call the XXXX business office daily for several weeks before I was finally able to speak with someone named " XXXX '' on XX/XX/XXXX. XXXX told me to ignore the {$48000.00} bill. He said it was sent because someone had not realized the services were financed via self pay. He said he would contact the XXXX Director regarding the {$340.00} bill and call me back. He did not call back and did not return any subsequent calls or reply to several voice mail messages. 

I've sent email and called several times daily since XX/XX/XXXX with no one answering the phone or returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nickel City Group LLC
State: FL

Complaint narrative:
These scammers have called my work repeatedly indicating they are going to server papers. When I call the numbers they leave, I get a fast busy. Today, I received this text message : XXXX XXXX XXXX We have an important matter in our office pertaining to your name and SSN. We do have paperwork scheduled to be delivered today. Please refer to file number XXXX The office number is XXXX. 

When I tried to return the call to tell them I was going to report them, I got a fast busy. Number won't go through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX before our Forbearance ends up on XXXX XXXX. We applied for Partial Claim which of the benefits of FHA Mortgage, since according to FHA Guidelines, we are qualified because we are only 30 days Past Due. The last payment we made was XX/XX/XXXX which covers our XXXX. Our Forbearance was started on XX/XX/XXXX and supposedly end up last XXXX XXXX and they offer us another 1 month extension. According to Ms XXXX from Amerihome dtd XX/XX/XXXX i might not be qualified because we are Current. From FHA Mortgage its cleared that if borrowers are current or 30 days past due we are entitled to apply for Partial Claim. And all of the sudden they sent letters : - 1st Disapproved us for Partial Claim dtd XX/XX/XXXX letter - 2nd Disappoved us for Disaster Modification dtd XX/XX/XXXX letter - 3rd Disapproved us again for Payment Plan thru Phone with XXXX XXXX dtd XX/XX/XXXX Today I spoke with Ms XXXX ID # XXXX, I begged her to review our Payment History, she said we were past due for 152 days according on her system which they include 1st day of Forbearance XX/XX/XXXX. And I said to Ms XXXX Past due should be srarting on XX/XX/XXXX because they still received my pymnt on XX/XX/XXXX for our XXXX ... so we are only past due for 30 days. And she reviewed it and XXXX said, I am right. 


Please help us to save our home and they want us to apply for Loan Modification which it was cleared that we can avail Partial Claim, please help us, this servicing bank are always giving us a hard time since than. It look like they not trying to help us, they are trying to take our home thru foreclosure, because if we will apply for loan modification they will deny us again, because we got our Loan Modification last year on XX/XX/XXXX which they buried us for a high interest of 4.625 %. They are not treating us fair. A very cleared discrimination. Instead of helping or offers us a better programs tgey denied us 3x in a row XX/XX/XXXX to save our home after COVID, look like they are very interested to get our home. And the comoany where my brother used to work waS temporary Covid Issues and just recently reopened this month if XXXX thru XXXX. 

Please help us, we need someone that will protect us from U fair treatment by serving mortgage company. 


Thank you XXXX ( XXXX ) XXXX ( authorized person-sibling ) For The Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This complaint is regarding a closed Amex blue cash everyday credit card. I was mislead twice by Amex online chat agent and it caused the loss of one of my longest credit history. 

My card was closed by Amex without noticing me in XX/XX/2020. The reason for closing was inactivity, the account had XXXX balance. I found this out within a few weeks while checking my credit reports and contacted Amex via online chat on this issue. The chat agent told me if I call Amex within 1 year of closure I can get my account and credit history back. I contact Amex a second time via line chat and they told me the same 1 year rule. I called Amex in early XXXX, and the call agent notified me they can not reopen my account and I had to call within 90 days to reinstate my account. I was mislead twice by Amex online chat agent about their company policy and that lead to loss of my credit history on this account. This shows mismanagement and an inability to serve customers in the most basic tasks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CA

Complaint narrative:
Experian continues to report several bankruptcy filings on my cresit report from XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
This company has been contacting me repeatedly as well as contacting my family members. I have asked them several times NOT to contact family members ever again. I have also asked them not to contact me further regarding the debt ( s ), as I have no money and especially now with my hours being cut due to COVID-19 and am facing homelessness. Each time they say they will note the account correctly to ensure I do not receive anymore phone calls and then a few days later I receive yet another call and the people become more and more aggressive and rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOAN TO LEARN
State: TN

Complaint narrative:
Loan To Learn, an EduCap Inc company, is reporting inaccurate information to XXXX. I have disputed this account 6 times with XXXX ( 5 denied, 1 ongoing ). When I reached out to XXXX to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results provide a VA address and a disconnected XXXX phone number. 

After sending a certified letter to the address provided, I was finally able to reach Loan to Learn and started email correspondence with XXXX. I was referred to a 3rd party collection group when I asked for account ownership verification ( a certified letter was also sent to the group that has not responded ). During the correspondence, I learned that Loan To Learn transferred their loans to XXXX XXXX XXXX who sold the account to XXXX XXXX XXXX. After advising that Loan To Learn is violating FCRA policies by not verify account ownership, reporting false account details, re-aging old debt as new, sending info for debt greater than 7yrs, I was again referred to the 3rd party collection group. 

All email conversations, records of certified letters/responses, results from a third party credit reporting agency ( XXXX XXXX ), have been sent to Equifax also with a fraud alert being placed with the CRAs and FTC. Below are the account details : Lender : Loan To Learn Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX XXXX   Status : Collection Account as of XX/XX/XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account : XXXX Amount : {$40000.00} Equifax Stats XXXX N/A - Equifax has XXXX knowledge of XXXX. They thought Loan To Learn was the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account. 

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN. 

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.

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 2020-08-03 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: OH

Complaint narrative:
Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account.

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN.

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
Hi, I have sent certified letter XXXX XXXX # XXXX about this account. I have requested Validation of Debt, which they have never provided and I'm not familiar with this account.

There has not been a payment made on this account in over 12 months ; therefore, account should be reported as Charge-Off / Written Off. The account say ACTIVE AND OPEN.

It's against the law to lie to investors stating you have open accounts when you really don't. Therefore, CFPB may want to look into XXXX XXXX as well. 

Please remove this from my credit report ( s ) ASAP! As I have requested information and it was never provide and it's been over 35-60 days. I have the certified mail receipt if required as well.

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 2020-08-03 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}

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