vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Upon doing a thorough review of my credit files, I discovered errors on all three Credit Reporting Agency Reports ( XXXX, XXXX, and XXXX  ) from Navient/Dept of Education. I have two accounts from Navient, and both accounts are reporting a " 90 day late payment '' in XX/XX/XXXX, on all three credit bureaus reports. I have contact Navient directly multiple times to speak to the customer service representatives to verify my account payment status. They confirmed that I do not have any " missed or late payments '' in their computer system and in their system for the month of XX/XX/XXXX payment was made on time. They said they couldn't do anything but that I had to contact the agency they use that reports to the Credit Bureaus for them. In XX/XX/XXXX I mailed a letter to the company via the address they gave me. I received no response. I contacted Navient again, and they stated they can not do anything. I sent an additional letter to the company Navient uses again in XX/XX/XXXX and still received no response nor were my credit reports ever changed. I tried to contact the Bureaus individually and was instructed to contact Navient. 

Furthermore, I tried to dispute with the bureaus. For all three credit bureaus it is reporting as follows on both Navient accounts : XX/XX/XXXX-XX/XX/XXXX " Ok '', XX/XX/XXXX " 90 days late ''. It is not mathematically impossible to be on time three months prior and then all of a sudden " 90 days late ''. I want this fixed immediately as it is reporting incorrectly and as such is impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My mortgage is a fixed VA with assumption rider signed XX/XX/XXXX. I divorced XX/XX/XXXX and I want my ex off of my mortgage. I am being denied mortgage assumption and any information about my mortgage companies successor in interest program. 
My mortgage company ( New Penn Financial, New Rez LLC d/b/a Shellpoint Mortgage Servicing ) denies eligibility in VA loan assumption or their successor in interest program, sends email or letters requesting more time, offers far more expensive refinancing and cash out options, and transfers phone calls through their phone system until disconnect. Since my divorce I have called, emailed and used my mortgage company online utility ( each multiple times ) to try and work with my mortgage company. My mortgage assumption rider requires approval of the Department of Veterans Affairs. I completed the VA assumption package and have been approved to assume full responsibility of my VA loan since XX/XX/XXXX. I have only received hang ups, email with links that dont work, and letters requesting more time. I wrote my mortgage lender and their parent company another request for mortgage assumption after receiving a notice of bankruptcy from my ex ; with explanation of circumstances, and included my divorce decree, quitclaim deed, and signed VA Release of Liability. I received a denial almost 90 days later due to a claim of account past due although I do not have any late payments ; and my ex already completed her bankruptcy two months prior. 
XX/XX/XXXX Original VA mortgage signed with XXXX XXXX XXXX  with assumption rider XX/XX/XXXX Denied assumption by New Penn Financial in email you can only refinance XX/XX/XXXX New Penn Financial changes name to New Rez. No change to mortgage terms and conditions. 
XX/XX/XXXX Letter from New Penn Financial stating working to gather the requested information and will forward it to you as soon as possible. 
XX/XX/XXXX Letter from New Rez stating working to gather the requested information and will forward it to you as soon as possible. 
XX/XX/XXXX Letter from New Rez stating due to complex nature of the matter we respectfully request additional time to respond fully to your inquiry. We apologize for inconvenience and appreciate your patience in this matter. 
XX/XX/XXXX email from New Rez offering refinance. 
XX/XX/XXXX my email requesting assumption due to exs bankruptcy, including VA assumption approval, divorce decree, completed quitclaim deed. I receive email from Shellpoint Mortgage Servicing We are working to gather the requested information and will respond as soon as possible. 
XX/XX/XXXX Letter from New Rez LLC d/b/a Shellpoint Mortgage Servicing You are ineligible for an assumption. The account is past due. I have the statements to prove the account is not past due or even late.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our  solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
Bank Account that belonged to my mother was garnished because my name was on the account. When my mother did an injury why her balance was so low on her account the bank told her about the garnishment. The bank gave my mom the information to call and find out what happened, That's when she was told that there was a judgment against me from a debt from 20 years ago. 
I was never informed of the debt nor the judgement. I did not receive any information regarding this debt or that I was being sued. 
Had I known that I needed to appear in court I would have gone. NO paperwork was ever sent to me regarding a court date. 
When I received the information I called Harris and Zide that is who filed the judgment. I was told that they don '' t have to notify me that they are suing me or of the court date. 
I asked about the account in question and all I was told that it was too old and they didn't have the information, I asked them how then can you sue me? I was told that they can

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/2020 I refinanced my mortgage with Quicken loans. I told my loan representative that I didnt want my payment taken as the refinance funded and paid the prior loan. I was assured again and again that they would not take my payment. They did. I've talked to numerous people including the district manager of mortgage lending and was assured they would correct their mistake. 22 days later I still dont have mymoney back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: AL

Complaint narrative:
I contacted XXXX/Experian in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
I was applying for a mortgage refinance and the the broker identified below from Amerisave provided misleading information leading to me disclosing personal information I would not have disclosed had he been transparent. Specifically we exchanged several emails and texts and where Mr. XXXX informed me my total fee would be {$4000.00}. I specifically asked if this amount included " appraisal, title and recording, and discount, origination, and all other lender fees. '' He responded in the affirmative, stating " the only fee we take up front is an application fee which is credited back ... .and the appraisal fee of {$440.00} is included in the {$4000.00}. '' Based on this, I agreed to provide my personal information ( SSN, income, etc ) so he could initiate the full loan application. The loan estimate he provided at that point included ~ {$1300.00} in additional fees ( including the appraisal fee ) on top of the {$4000.00} he quotes. All of these fee are in one was or another " appraisal, title and recording, and discount, origination, and all other lender fees. '' He tried in many ways put the blame on me because I never asked specifically for the total closing costs. This is disingenuous and not working in good faith at best, and more likely misleading and potentially fraudulent behavior. 

XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX TX XXXX

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 2020-02-25 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: AL

Complaint narrative:
I contacted Equifax/XXXX  in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Collector 's Name : ARS ACCOUNT RESOLUTION Collector 's Address : XXXX. XXXX XXXX XXXX, Florida XXXX {$1400.00} This company has refused to verify this account as well as the credit bureau 's. I have sent a couple of letters asking them to prove that this account is in fact mine, The informations that come back to me only says that the account was " verfied ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. 
I was using a third party vendor called XXXX XXXX XXXX, to be on loan forgiveness. I called them in XX/XX/XXXX to renew my eligibility. I also emailed. Noone answered and noone called me back noone emailed me. 
In XXXX I received a student loan bill from FedLoan servicing for XXXX dollars. I called XXXX XXXX XXXX again, because I had still been billed every month for my usual {$50.00}. I called and emailed, nothing but an answering machine. 
I then called fedloan servicing. XX/XX/XXXX and XXXX XXXX. I only get a sweepstakes recording, over and over. I attempted to email twice on those days and it responds with a weird error message. I am racking up debt, my credit score is going down and I do not know who to call! Please help me! 

I have an issue with XXXX XXXX XXXX company ( supposedly from XXXX ) And, FedLoan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax keeps referring to me as a XXXX  and I have submitted numerous amounts of documentation to prove I am not.

Company response to consumer: Closed with non-monetary relief