vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I was in the process of obtaining a mortgage loan from Quicken Loans. At one point a representative from their under writing department stated to me " because you are so young, we believe you 're going to use this as an investment property ''. So I firmly believe they treat " younger '' people   as liars. Additionally, if those are normal underwriting practices, it makes it unfair for " younger '' borrowers. Towards the end of this loan I encountered another issues. I received news from them that the loan woul d be declined , two differ ent representatives told me the decline reason was because the property was " unlendable ''. Which if its a rule due to it being a condo I am fine with it. But what I am not fine with, is them giving me a decline letter that states the reason for decline is because my debt was too excessive. So miscommunication or misinformation is another issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Hello, I was forced to take out loans with  XXXX   XXXX  when I went to school as I went to  XXXX . No other loan companies would lend to me.  XXXX   XXXX  then sold   XXXX  of my   XXXX   loans to Navient and retained   XXXX  .       Navient has been completely unhelpful in helping me to repay my loan. I have only recently returned to the US and the only " help '' they were willing to offer was to charge me {$150.00} to enter into a 3 month forbearance. Navient will not give me a repayment plan based on my own funds. They say they will use my finances to consider lowering my monthly payment but insist on including my co-signer 's income. My grandmother is my cosigner and lives in another city and is currently  XXXX  in hospital. I also do n't have any faith that they will be reasonable in what they consider to be " lower ''. I am nervous about handing over our financials and agreeing to their program then still being trapped in a situation that I can not manage. In addition to that, Navient claims  that I owe  ~  {$90000.00} on the loans they hold. I do n't understand this because the loans total ~ {$60000.00} in principal and I left schoo l in 2015. I   do n't understand how my loans increased by 50 % in a little over a year.     I have done everything I can. The fact is that I am earn less than {$500.00} a week and supporting myself and my husband. My other loan providers put me on an income driven repayment plan without hesitation but these two companies treat me like I just do n't want to pay. I am only a year out of school. I have finally gotten a job in my industry and I am struggling to put food on my table. The added pressure of Navient treating me as if I am willfully withholding money from them is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: NV

Complaint narrative:
Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.      This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater  ;

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 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To whom  it may  concern, I faxed over a letter   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     in order to dispute information, in regards to a collection with  XXXX   XXXX  that was placed on my credit report. They received the letter the same day since it was faxed. They completed the request   XXXX   XXXX   XXXX    . The request I submitted was a collection that were not factual and I received the same response, " according to the FCRA rules, fcra  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be   investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The face that I received a response in 4 days after I faxed over my letter, one can assume that there was no investigation. I am submitting this complaint due to lack of investigation into my original dispute for this collection with   XXXX   XXXX   being removed that does n't belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I was trying to improve my  credit s  core an d disputed a charge off from   XX/XX/XXXX   that was charged off but then paid to  XXXX  in    XX/XX/XXXX .   within the next couple of months I receive a collection notice from  Portfolio Recovery Assoc . saying I owed. I disputed with them and submitted   all the paperwork. They denied it only showing the   XX/XX/XXXX  a mount they did not acknowledge the  21  payments of  XXXX  per month that was reported to the Credit Bureaus. from   XX/XX/XXXX  to  XX/XX/XXXX  . They informed me to take it up with  XXXX  of which I did.   as I am disputing with  XXXX   Portfolio is sending  me more notices that this is my debt. I disputed it again sending it certified this time and once again they will not acknowledge the settlement made to  XXXX . In the process they have put this on my credit of which they said it would say disputing. That was false it is showing as my debt. I was in the process of refinancing my home and have had problems due to their accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: NV

Complaint narrative:
Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.   Since it is against the FCR A, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity  to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.   This inquiry was performed under false pretenses as described in the clear language of the la w. 15 USC 1681n ( a ) ( 1 ) ( B ) wh ich states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2017-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT Syndicated Office Systems Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  Phone : (  XXXX  )  XXXX  IN RESPONSE :  XXXX  Your company have violated F  CRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.      A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.    The reference items are listed below please take this matter very serious  XXXX   XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  Litigation, Case No.  XXXX , in the  XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  California Syndicated Office Systems Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Numerous requests t o PNC to stop sending credit card offers in the mail have failed. Was assured by PNC that I will  not receive offers to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I received a debt notification through mail on  XXXX / XXXX /  XXXX   of {$22.00}. I contacted  Montgomery Ward  through email on  XXXX / XXXX /  XXXX   and they notified me on  XXXX / XXXX /  XXXX   that the item had been returned and that it would reflect it in the next cycle but avoided the charges implemented. To this day I have not received a letter or email that explains the charges of {$22.00} implemented.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX   XXXX   - received pre-approval for the amount of $  XXXX  from  Citizens Bank   board a mortgage we wished to purchase. Th e Purchase price of th e house was $  XXXX  ; we were paying the balance in cash.       XXXX   XXXX   - entered  P & S o n house for amount above putting down $  XXXX  earnest money. Began formal application process with  Citizens Ba nk for $  XXXX . Closing date was   XXXX   XXXX   XXXX  .       XXXX   XXXX   XXXX   - supplied information to  Citizens Bank  as requested, but requests become more difficult to furnish and understand as they required explanations that were never satisfactory though we were not informed what the issue was.       XXXX   XXXX   XXXX   -  Citizens Bank d id not meet its commitment to issue the loan causing us to lose our $  XXXX  earnest money.     Evidence of assets, sufficient availability of cash for closing and wherewithal to make mortgage payments were furnished.       XXXX   XXXX   XXXX   - received via  USPS  a Statement of Credit Denial, stating we were denied the loan due to " Insufficient Assets or Cash ''.     Note we had both sufficient funds and cash to close the deal, which has been attested to by our realtor, personal banker and attorney.     Note :  First of all th e credit was not denied. We never received any credit denial notice. In fact, after the closing date had past, they continued to try to extend us credit.     Second, there was no insufficiency of cash. We had ample cash resources to close without the loan.     Third, the statements are false and clearly negative and will raise questions for any future loan transaction. Insurers also check my credit and set rates accordingly and could increase rates for such things as lack of cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I got behind on my mortgage payments due to financial hardship and now I 'm facing an active foreclosure. I 've asked for a forbearance until my additional income comes through. Currently I 'm waiting on  XXXX  and the income I do have only covers basic living expenses. This has been my primary residence for 39 years and I do n't have anywhere else I can relocate to at this time.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was late paying my mortgage payment for  XXXX  of  XXXX  and  XXXX  of  XXXX  due to some financial difficulties ( my regular mortgage payment is  XXXX  ). However, on  XXXX / XXXX / XXXX  I started making my regular mortgage payment and adding additional monies in trying to catch up with back money owed : On  XXXX / XXXX / XXXX  I paid {$2000.00}, on  XXXX / XXXX / XXXX  I paid {$2000.00} ; then on  XXXX / XXXX / XXXX , while getting ready to make my payment, I noticed that my mortgage institution  ( Santander Bank ) is   charging me  XXXX  (  XXXX  ) additional fees of {$14.00} each ( {$28.00} total ) monthly for what they refer to as a " Collection Inspection Fee ''. That 's on top of the late charge fee of {$64.00} accessed every month until I finish paying money owed.   I submitted another payment that day for {$2900.00}. Still theyre charging me  XXXX  (  XXXX   )  late charge fees on my  XXXX  statement and left {$1700.00} monies unapplied to my balanced owed. How can that be if my monthly payment is {$1600.00}? Now, I suspect that theyll charge me another {$64.00} late payment fee on my  XXXX  statement for monies that Ive paid and wasnt applied to my balanced owed.   On  XXXX   XXXX , collections department at  XXXX  called me to ask me when I was going to send them more money ; my {$2900.00} check had already cleared on  XXXX   XXXX .   I informed the caller that I had already sent a check for {$2900.00} and proceeded to complain about the  XXXX   (   XXXX   )  {$14.00} charges on my statement. He tells me that every month they send a person out  to drive by  my residence to inspect the property and they will continue to apply those  XXXX  charges monthly. I asked him not to call me again and hung up the call.   I thought about calling the bank directly and complain about the charges but I suspect that theyre going to give me the run around again, so Ive decided to file this complain in hopes that someone will help me stop Santander Bank from these overcharges to my 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 2017-05-08 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: MN

Complaint narrative:
MAJOR issue here. Back in   XX/XX/XXXX ,  I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forwar d to  XX/XX/XXXX , a nd I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XX/XX/XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date Equifax is showing : Company Information :  XXXX      XXXX   Date of Inquiry :   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,   XX/XX/XXXX ,   XX/XX/XXXX ,  XX/XX/XXXX    XXXX  is showing :  XXXX   XXXX  Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX    Date :   XX/XX/XXXX     XXXX   XXXX   Date  :  XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX     XXXX   XXXX   Date :   XX/XX/XXXX   And  XXXX  shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: MN

Complaint narrative:
MAJOR issue here. Back in  XXXX ,  XXXX , I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XXXX , and I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date   XXXX   is showing : Company Information :  XXXX   XXXX  Date of Inquiry :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  Experian is showing :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX  And   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.

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