vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XXXX I received notice that I could request a forbearance/deferment on my mortgage with Rushmore Loan Management. I requested it because I lost my job. It was approved for 3 months. In XXXX, anticipating that I would need another 3 month extension of this I went on the website and requested it again ( ( as it stated to do so on their website ) After no response and several attempts on their website submitting the requests, I started receiving multiple calls a day from them, with NOONE on the line. Would answer and no one would say anything!!! 
In XXXX I received a call and someone actually spoke and I explained the situation. on XX/XX/2020 I emailed and provided their LOSS MITIGATION department a hardship letter and provided proof of unemployment. I continued to receive calls and on XX/XX/2020 I asked the person WHY they keep calling and are not replying to my hardship request for extension or forbearance/deferral???? She apologized and said someone would get back to me-that she saw I had submitted the requests .... 
On XX/XX/2020 I get bombarded again and again I ask them why they are calling when I have submitted everything to them??? they state I didn't SIGN my letter ...???!!! 
So I email it AGAIN with a signature this time. I have called and emailed everyday since XX/XX/2020 looking for an answer and they initially act like they haven't received anything and then apologize after they see I have. Today I demanded a call from a supervisor to get and ANSWER as we are now going on 90 days since my forbearance/deferment ended!!!! I also went on their website and logged in and see that all my loan info is not accessible, nor am I able to even make a payment on there!!! 
I stated to them that I do not want my loan pushed into foreclosure as I intend to keep my home and have a temporary hardship. They are playing games letting the time go by so that they can try and push me into foreclosure!!!! ILLEGAL ACTIVITY BY THESE INVESTORS AND SERVICERS AND IM SURE THEY ARE DOING THIS TO OTHER PEOPLE. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.

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 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed a dispute to IC Systems and to the credit bureaus regarding a fraudulent account on my credit report. ON XX/XX/XXXX I noticed they verified the information and proceeded to call IC Systems to get to the bottom of this situation. I was informed, based on a search of my social security number, that there was an account sent to collections from XXXX XXXX ( AKA XXXX ) for a service address of XXXX XXXX XXXX XXXX in XXXX, CA that was opened in XX/XX/XXXX. I advised them this was not me, as I purchased my home in XXXX in XXXX and had no reason to open up any service in a different city. They advised me to contact XXXX  and to " resolve it with them '' meanwhile they will remain on my credit report until XXXX   advises them to remove it. 

This is completely abusive and unacceptable. ESPECIALLY because XXXX can not locate any account using my name, social, date of birth or address. This limits my ability to start a fraud investigation with XXXX as advised my IC Systems since they can not locate an account to initiate an investigation on. What am I supposed to do other than go round and round in circles wasting my time?? This item needs to be removed from my credit report ASAPPPPPP

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XXXX XXXX. # 4. XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX -Loan Amount {$0.00} XX/XX/2020.

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 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: WY

Complaint narrative:
Hello, This collection agency is claiming that I owe {$100.00} for a dispatch service that I've never asked for and requested or agreed on. This dispatch service are showing a dispatch sheet that is made up. I do not agree with it and I believe they don't have any proof of me owing the money to them. The collection agency is saying that the dispatch sheet is a proof but I strongly disagree. I've never worked with the dispatch company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: VA

Complaint narrative:
The Issue : On XX/XX/XXXX XXXX XXXX was granted a Judgement against me in XXXX. XXXX XXXX. Since then XXXX XXXX hasnt been reporting any information contained in said Judgment on my XXXX because pursuant to the Comprehensive Consumer Credit Reporting Act of 2017 115th Congress that says Equifax, XXXX and XXXX can no longer reflect/report filed Judgement information on my CBR. According Equifax On XX/XX/XXXX, XXXX XXXX reported derogatory information on the same loan. I believe this is a violation of the Fair Debt Collection Act and the Fair Credit Reporting Act. They cant file a Judgment that goes on my Public Record for 7 years then turn around and put the same info contained in the Judgment on my XXXX knowing the that the credit bureaus no longer show that information. 
Equifax should not allow XXXX XXXX to report the same information contained in the Judgment on my XXXX. Both XXXX and XXXX are not showing XXXX XXXX at all. I forwarded a copy of the Judgment to Equifax, Supervisor XXXX, XXXX and XXXX acknowledged that they were in receipt of the document, yet they refuse to delete the information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm submitting another compliant regarding this XXXX XXXX XXXX that was opened fraudulently.

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 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: MD

Complaint narrative:
they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX XXXX XXXX, va XXXX phone number XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-09-02 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: Southern Auto Finance Co
State: IL

Complaint narrative:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I purchased a brand new car from XXXX on XX/XX/XXXX. On the first week I started to have grindy noisy coming from the brakes. On the first XXXX miles maintenance at the dealership, I asked them to check the brakes and they told me it was fine. On XX/XX/XXXX, XXXX of the brake pads fell down and the company addressed this issue as a manufacture defect and they fixed it for free. On XX/XX/XXXX, which is only after 8 month I started to have this noisy again coming from the brakes but I couldn't take it to the dealer due to the COVID situation. I took it there on XX/XX/XXXX for the same reason and they didn't want to fix it this time. They asked me to pay around {$1100.00} because it's not a manufacture defect. However, the first time they said it was. The car is not even 2 years old and only has XXXX miles. I purchased a brand new car to avoid this kind of headache. The car is XXXX XXXX XXXX. I looked on the internet and I found many people with the same car have the same complain about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I called today to inquire on an annual fee of {$99.00}. I'm elderly ( XXXX   years if age ) and speak XXXX. I paid off this account with a balance transfer in XXXX of 2020. I failed to close the account and an annual fee of {$99.00} was charged in XX/XX/2020. I called today to request the fee waived and they refused to waive the fee. This is discrimination of an elderly woman and because I'm XXXX. 

My daughter, XXXX XXXX has the same credit card and has had the fee waived on one or two occasions.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed a dispute with XXXX, Transunion, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, Transunion, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, Transunion, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from the Finex Group, LLC Collection Services regarding a {$2800.00} collection for vehicle towing and storage that took place on XX/XX/XXXX. I called the Finex Group on the evening of XX/XX/XXXX, the customer service representative stated that the vehicle in question was registered to my name. The customer service representative informed me that the Finex Group had  proof the vehicle was registered to my name by the Department of Motor Vehicles ( DMV ). 

I went to the DMV office on XX/XX/XXXX. The DMV stated the vehicle in question was never registered to my name. I called the Finex Group again on XX/XX/XXXX, and informed them that the DMV has no record of the vehicle ever being registered to my name ; therefore, I was not responsible for the fees the Finex Group was attempting to collect. The representative stated they had proof that the vehicle was registered in my name from the DMV. I requested a copy of the document they were using ; the representative informed me that it could take 30 days to send the document and proceeded to hang up on me. 

I received a copy of the proof the Finex Group claimed they had via mail the week of XX/XX/XXXX. The document the Finex Group sent was not a document provided by the DMV. It was an " Notice of Pending Lien Sale for Vehicle Values {$4000.00} or Less '' form filled out by XX/XX/XXXX and was submitted to the DMV in  XXXX  of 2016. This document is not completed by the DMV ;  therefore, the Finex Group is using inaccurate information to collect a debt that I am not responsible for. Attempts to explain this to the Finex Group have been unsuccessful and they are still using the form submitted to the DMV as proof of ownership. This form can be completed by anyone and does not reflect actual DMV record. In this case, the form was completed by XX/XX/XXXX, not the DMV. 

In conclusion, the Finex Group is attempting to collect and report debt I am not responsible for to the credit bureaus which would damage my credit based on inaccurate information. The " proof '' the Finex Group has does not demonstrate that the vehicle in question was ever registered to by name which can only be confirmed by the DMV. The DMV has confirmed that the vehicle was never registered in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP

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 2020-09-02 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear Discover Card Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what Discover responded they confirm that this account is accurate. 

Creditor : Discover Card, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XX/XX/XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was offered a consolidation of my federal student loans buy sallie Mae over ten years ago. That loan is now with Navient. I was not informed that it would become a private loan. I was struggling as a  single parent and have many health problems. I am now laid off due to coronavirus and because this huge loan is now PRIVATE the forbearance of payments and interest until XX/XX/XXXX is not applicable. Over the years I was talked into taking forbearances by Navient because I couldn't afford the monthly payments. My loan has gotten higher and higher. I am XXXX and these loans are from almost 20 years ago. They claim to have forgiveness programs but that is not what they are. They are rigid and lengthy and you really end up paying everything back and a lot more. I was young, naive and on my own. Had I known better I never would have gone to college. I will likely be dead before this loan is payed off. They should not be entitled to use the word FORGIVENESS because it is a euphemism for " we will take everything you have until you are done. '' This has become the centerpiece of my life. I feel hopeless along with millions of other borrowers. I have worked like a dog my whole and pay taxes on the necessities of life and then get taxed on my income to buy those necessities. If any REAL forgiveness is ever established by the government I am screwed because I was railroaded into a PRIVATE consolidation. What they did was deliberately deceiving and the should be held accountable. I may now have to file for bankruptcy in the hopes that I can enjoy the rest of my few good years left.

Company response to consumer: Closed with explanation