vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
This problem started after my father the home owner passed away and the estate was in probate court.My father 's estate was to be handled by court appointed administrator, XXXX XXXX.He was and still is negligent in handling this estate but even though I have tried to bring my critical concerns to the court, they never saw anything wrong with XXXX XXXX actions.When the family home was in foreclosure, he did nothing and he never gave us the heirs any opportunity to do anything.The mortgage company would not communicate with the heirs, since they said we had no standing.We were never given an opportunity to save our family home.Ever attempt by the heirs was handled byu XXXX XXXX in bad faith.They decided they were going to sell the home and make a profit and we we never given an fair and honest opportunity to buy the home.Even before the foreclosure, now that I have been looking at the mortgage contract there was a discrimation by the lender to take advantage of a elderly and sick man by making him sign a contract that will extended pass his death.This was predatory lending, the out come was known when the contract was signed.THere were also problems with the income stated and my father 's XXXX  compacity is also questionable since he suffered XXXX XXXX prior to his signing.The mortgage company took the home, even though it infringed on the mortgage contract when it send in Safeguard properties without notification and when it was in the home, my families valuables were stolen.The heirs did file a civil case but it was dismissed because XXXX refused to enter the lawsuit.I have fought this by myself and XXXX XXXX with its vast wealth has done everything it could to shut me down.It never acted in good faith with negotiations and it refused my bid on an auction website even though it met their price.Time and time again XXXX XXXX made sure my family never had a fair and honest chance to get our home back.Now its on the market for XXXX that's almost 3 times what the mortgage amount was.XXXX XXXX is guilty of predatory lending and age discrimation and acting in bad faith.I also asked numerous time for a copy of the original appraisal but was never given one.I want the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm attempting to place a temporary lift on my Freeze. This is the second time within months of identical issues from TransUnion. As with my last temporary lift, I'm met with failure of this companies ability to accomplish my request. ( Federal Regulations failure and I will file complaint with Federal Regulatory ). 

I first attempted to place a temporary lift on my credit file. On-Line system is not operating, again! Message on TransUnion website states Freeze Information is Unavailable. I attempted to make this temporary lift via phone with negative results. I believe this is an intended action on behalf of TransUnion. Their welcome message regarding credit freeze is clearly designed to disrupt an individuals desire to place a freeze on their credit file. It is easily assumed that TransUnion is intentionally making the credit freeze process an unbearable experience to prevent individuals from placing a freeze on their credit file. 

Additionally, the first experience with attempting to place a temporary lift on my freeze, the information they utilized to confirm my identity was approximately 4 years old. ie ; They asked me questions regarding what mortgage I have. They stated that my answer was incorrect, however their information was old and I had since two new homes. The same occurred with a vehicle loans with what lender ; Once I figured out their challenge questions were with outdated data, I had to calculate which vehicle I had years prior.. 

It is without a doubt, TransUnion is engaging in unfair credit practices simply to discourage individuals from having their credit files frozen.

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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I was a victim of identity theft in XX/XX/2019 ( attached is the police report ). The unknown perpetrator fraudulent took out a Cartier credit card administered by TD bank. TD bank was extremely difficult to work with to get the fraudulent account removed. The Fraud Specialist never returned my calls and I worked with the merchant Cartier to resolve this matter and received a letter from them this was Fraudulent account and it has been removed from my credit report after going through excessive lengths. 

Then, after all this I received collection calls from TD bank even after telling them to stop. I am requesting you to look into their practice. 

Attached is verification of being on the National Do Not Call Registry, Documentation this debt was resolved but still received collection calls, police report, letter to TD Bank ( Cartier ),

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had an account with XXXX XXXX {$390.00} they billed my wrong insurance, then received a rejection. I paid the bill as soon as I was made aware. Was never provided proper notice to dispute and the Drs office also failed to cash my check for 6 weeks. Experian failed to do an proper investigation on Congress collection.

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 2020-05-01 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
The company has locked my account and refuses to unlock it. It has been about three days They are so understaffed that they are not answering the phone for the loss prevention department. I have been on the phone for over an hour. No one else can help me at the other phone lines. 

The bank is virtual so the only option is over the phone. 

I have no access to my money and my homelessness situation has become even worse because of this delay. I could die because of the delay.

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 2020-05-01 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had an " Auto-Pay '' schedule on my NAVIENT serviced Federal Student Loan ( FFELP ) for each month in the amount of approximately {$120.00} since XXXX. I have not touched this Auto-Pay schedule or amount and have allowed the monthly payment to debit from my bank account. 

Without my knowledge or consent, NAVIENT changed the Auto-Debit amount in XX/XX/XXXX to {$58.00}, thereby hitting less of the principal and extending the life of the payments of the loan. By doing this, NAVIENT enabled more profit onto themselves at my detriment. 

The only way I found out this happened is that I reviewed my bank account and wondered why the amount paid to NAVIENT was lower than usual. 

NAVIENT also makes its website very difficult to change the auto-pay schedule back to its original amount and one has to navigate through new prompts and de-activate the current auto-pay schedule and re-enter bank account information to re-enable a new auto-pay amount. By doing this, NAVIENT is encouraging borrowers to not increase their auto-pay scheduled amounts. As a measure to protect myself, I added a few extra payments into my loan ( in addition to the Auto-Pay ) because I could not figure out how to change the Auto-Pay amounts easily. 

I find this practice from NAVIENT to be deceptive and manipulative, and I am saddened at all the other loans they have reduced auto-pay amounts and borrowers who have not yet noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
I paid off my car loan with Fifth Third Bank back in XXXX. As of today, XX/XX/XXXX, I have yet to receive a title. 

When I realized a few years ago I was not in procession of a title, I called Fifth Third Bank to ask about it. The notified me the release was sent to the DMV and I could request a duplicate title, so thats exactly what I did. In XX/XX/XXXX, I sent in the CA DMV form requesting a duplicate title along with the {$22.00} fee. CA DMV returned the form and check notifying me the lien had not been released by Fifth Third. 
I then called Fifth Third Bank notifying them of the problem, and they said the release was sent to Virginia, where the vehicle was previously registered from XX/XX/XXXX XX/XX/XXXX and to contact Virginia. I called the Virginia DMV, and they had no record of the release either. 

I became frustrated and let it go until early XX/XX/XXXX. I called Fifth Third Bank again, explained the prior scenarios and they said a state-to-state transfer from VA to CA must be completed with their third party title provider. I was transferred to this third party, and the third party notified me the release was sent to Connecticut where the vehicle was registered from date of purchase in XX/XX/XXXX to XX/XX/XXXX and to contact CT for the title. I then called the CT DMV ; they did not have record of the release either. After calling the CT DMV, I tried the VA DMV again to double check if they had record of anything, and still nothing. The VA DMV said they needed to receive a release from the bank to issue a title. I called Fifth Third Bank again, and a gentleman told me he would re-submit a release to VA and I should give it 10 business days to get a title from VA. I confirmed VA had my current address, but have not received the title as of today, XX/XX/XXXX. 

I called back Fifth Third bank XX/XX/XXXX where I explained the scenario and told them I just need a title from somewhere to sell my vehicle in the next 30 days. Fifth Third again referred me to their third party, the third party refereed me to CT, and back to Fifth Third again when I told them CT had no record of the release. I am going in circles with Fifth Third Bank. Fifth Third should have record the car was registered in CA since XX/XX/XXXX, notified CA the loan was paid in full and to release the title to me in XXXX. I need to sell my vehicle by mid-XX/XX/XXXX and can not do so without a title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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: GA

Complaint narrative:
this is not my first dispute about these accounts i have sent all the information to the companies as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Hello - My name is XXXX XXXX phone no ( XXXX ) and I received a Important Legal Notice of a claim from Mass of Commonwealth Superior Court of a settlement on my part. XXXX XXXX. Navient Solutions , LLC with a claim form to XXXX  I'm a little bite worried this claim maybe fraud. Please advice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: MS

Complaint narrative:
I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-05-01 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation 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 2020-05-01 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: NY

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: TX

Complaint narrative:
Company or Organization : XXXX XXXX {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: FL

Complaint narrative:
SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 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: MS

Complaint narrative:
I owed XXXX XXXX {$15000.00} I contacted XXXX XXXX to negotiate a settlement. They referred me to XXXX XXXX XXXX. XXXX XXXX of the XXXX XXXX XXXX sent me a letter stating XXXX XXXX would accept {$11000.00} as " settlement in full ''. I paid the XXXX XXXX XXXX {$11000.00} on XX/XX/2020. I have the letter signed by XXXX XXXX and the receipt from XXXX XXXX XXXX to prove I have met my obligation and have settled this account in full. XXXX XXXX is still reporting I owe them and additional {$3800.00} to all three credit reporting agencies. When I file disputes with the all three credit reporting agencies they ignore the documents I have provided that proves that this debt has been " settled in full '' and tell me that XXXX XXXX says the information they are reporting is accurate. I have contacted XXXX XXXX and they just refer me back to XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they just state that XXXX XXXX should be reporting the debt at settled in full.

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