vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
In XXXX my husband experienced XXXX failure resulting in a XXXX transplant. Within 90 days he had to have another XXXX transplant as the first one did not take.That started a year and a half of hospital stays for my husband. It got to the point where I lost my employment due to too many days I had to take off to care for him. I then took a part time job and fell behind on the mortgage. My husband is still incapacitated and unable to work to this day. We have not been approved for XXXX and my husband has no income coming in. I have went back to work and applied for a loan modification. I was denied in XXXX, XXXX for no down payment. I was advised by XXXX ID XXXX on XX/XX/XXXX that the numbers looked good and if I could prove that I had a significant down payment I would be approved. COVID - 19 came into our lives as everyone else 's last year and due to my husbands history of medical problems it has become very dangerous for him to be exposed. This required us to alter our life in very unexpected ways to protect my husbands health. I sent in another package for modification review on XX/XX/XXXX and have included that package in the document portion of this complaint. After submitting the package I followed up on XX/XX/XXXX and was advised of missing documents ; specifically a legible hardship letter, bank statements for my husband, tax returns, flood insurance and proof of down payment. I sent the revised hardship letter, proof of down payment and XXXX - T on XX/XX/XXXX. I sent the letter of explanation that my husband does not have a bank account and I have been unable to procure flood insurance on XX/XX/XXXX. On XX/XX/XXXX a follow up call was made. XXXX XXXX advised that the last review of the package was XX/XX/XXXX and it was denied for missing documents. The documents she said were missing had all been sent as noted above. I was unable to speak to anyone handling the loan and when asked directly if they would put someone out with medical issues in a pandemic when they submitted all requested documents and the firm did not review, Ms. XXXX replied, yes. We feel as though this is unfair as the documents were submitted on our end and Rushmore not reviewing them was the reason for the file to be denied. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: AL

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. REMOVE IT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
I'm having problems with the credit bureaus processing my dispute from my identity theft case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
I'm having problems with the credit bureaus processing my dispute from my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Monarch Recovery Management , Inc I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On multiple occasions I have notified these three ( 3 ) creditors of the severe impact of the COVID-19 pandemic on my XXXX dating back to XX/XX/2020 and have asked for COVID- related assistance without success. Presently all three are reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track XXXX purchasing business equipment, rehiring employees XXXX. I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application. 

( 1 ) XXXX XXXX XXXX XXXX - XXXX ; ( 2 ) Synchrony Bank - XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX - # XXXX which was charged off without my knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: U.S. BANCORP
State: IL

Complaint narrative:
There are 3 unauthorized inquires reporting to my XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and US Bank. I contacted XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX  is not working proactively to resolve this matter even with the lenders confirming that I have no active 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 explanation
Consumer complaint received 2021-01-11 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: Nelnet, Inc.
State: LA

Complaint narrative:
Back in XX/XX/XXXX I decided to go back to school for XXXX XXXX through XXXX University XXXX. I received my XXXX XXXX in XX/XX/XXXX and since then it's been a total nightmare. XXXX College, part of XXXX  Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. They did a partial discharge which doesnt help anything because the 10 % discharge only covered the interest they added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My last FICO  score was XXXX and I can't understand why is not the maximum of 850 or somewhere in that range. My total availability of credit is {$58000.00} and my average monthly use is usually less than 10 % of that or {$6000.00}, in addition, I recently paid off the balance of a lease to XXXX in the amount of {$13000.00} and I do not have any other large balances pending, my current total of use at this particular moment is exactly {$1200.00} which is 2.13 % of my total availability of {$58000.00}. Perhaps someone could explain to me what is going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
On XX/XX/2021, my mortgage payment of {$1000.00} cleared. On XX/XX/2021, a duplicate mortgage payment of the same amount cleared, which I was not expecting. On XX/XX/2021, I noticed the anomaly and immediately contacted my loan servicer, Homeloanserv, to correct the issue. The customer service agent was friendly, but they simply directed me to a support email address with instructions to submit a screenshot of my bank statement as proof and ask them for a refund. 

I did this right away, to which I received an automated response asking me to wait 5 days before expecting a response ( due to COVID-19 ). 

On XX/XX/XXXX, a new transaction appeared on the website for a refund, but it was left as In-Progress. By the end of the day, the transaction was updated to say that the transaction was completed, but I have yet to receive a refund. 

On XX/XX/XXXX, I contacted the company again via phone, and I was informed that they are only allowed to send refunds by a physical check in the mail. I received the tracking number from XXXX, and it looks like the check is supposed to arrive today by XXXX. 

Finally, on XX/XX/XXXX at about XXXX, the check arrived. I was able to deposit it and have {$500.00} in my account today while the remaining {$550.00} is on hold until the check clears. 

Also, it's important to note that the duplicate mortgage payment was a complete duplicate, as in I paid interest and escrow in the duplicate, not just principal as would be expected for any additional payments in a single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
This is not my debt, someone maybe use my information wrong or fraudulent. Please I would like this account deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I closed with XXXX XXXX to refinance out of a prior loan with Mr.Cooper/Nationstar. On XX/XX/XXXX funds were received by Mr. Cooper for the payoff of the previous loan but monies were not applied to the balance. When pressed on XX/XX/XXXX why the funds were not received, Mr. Cooper stated the funds were not applied to the balance as the payoff quote they issued was incorrect as it did not reflect the escrow shortage. Upon review of the copy of the payoff, it did indeed include the escrow shortage. On XX/XX/XXXX Mr. Cooper was asked again why the funds were not applied to the balance and the loan closed. Mr. Cooper responded that funds received were not enough to cover loan amount as Mr. Cooper had paid property taxes on the account on XX/XX/XXXX. Upon receipt of tax bill from XXXX town, XXXX ( XXXX XXXX  title company ) is shown as the payor for the taxes on XX/XX/XXXX. 

Mr.Cooper still has not applied the funds and will not until they receive a return check from XXXX town which may not be until XX/XX/XXXX. Until then, they're showing a payment is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
SunTrust Mortgage issued an escrow refund check with the incorrect bank account information. The refund check bounced at my bank due to the error. I have contacted SunTrust three times to have the bank charge reprocessed and was informed the issue is being addressed by leadership with no estimated time this issue will be resolved. I requested follow up with leadership and was informed they could not be contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Pursuant to 1692C ( a ) ( 1 ) Credit Acceptance called me numerous amount of times that was inconvenient to me Pursuant to 1692C ( a ) ( 3 ) Credit Acceptance called me numerous amount of times while I was at work Pursuant to 1692D ( 1 ) Threatened me to take my car also threatened to furnish my information to credit reporting agencies which harms my reputation Pursuant to 1692D ( 2 ) Credit Acceptance used obscene and profane language Pursuant to 1692D ( 5 ) Credit Acceptance called me over 100 times in the past two years to harass and abuse me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
There are 3 unauthorized inquires reporting to my XX/XX/XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are Navy Federal Credit Union and XX/XX/XXXX I contacted XX/XX/XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XX/XX/XXXXis not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: IL

Complaint narrative:
There are 3 unauthorized inquires reporting to my TransUnion report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX. I contacted TransUnion on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. TransUnion is not working proactively to resolve this matter even with the lenders confirming that I have no active 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 explanation