vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
The original owner of the mortgage was my sister, XXXX XXXX XXXX who passed away on XX/XX/XXXX. In her will, she designated me as her Successor/Trustee prior to her death. The POA was effective XX/XX/XXXX. 
Since then, I have tried to communicate with Quicken/Rocket Mortgage that I am the successor/trustee and have submitted the legal documents as were given to me by my sister 's attorney. 

I also submitted the unrecorded grant deed to the XXXX XXXX because the County Recorder took many months to return the deed to me. I was willing to resubmit the recorded when I received it if Quicken/Rocket requested it. 

The recent submissions to Rocket Mortgage on XX/XX/XXXX were : ( see all attached ) Certificate of Trust Successor, Certificate of Trust Pursuant to Probate, XXXX ( notarized ) ( Notarized sheet ) Declaration Pursuant to XXXXProbate Code Section 13100 Original Declaration Pursuant to California Probate Code Section 13100 The final letter I received dated, XX/XX/XXXX, states " We are unable to confirm you or the potential successor you am representing as a successor in interest at this time for the following reasons : Quicken is asking for all pages of the Trust Government issued ID 's for beneficiaries ( of which they only have one of the childen 's ). The children are under the care of the guardian mother and they have failed to respond to my requests for their ID 's. I was told by Quicken that the children failed to respond to Quicken 's request for their ID 's, last year. 

As Quicken is refusing to recognize the Attorney 's legal documentation giving me the right to act on the behalf of the XXXX, I fail to see how their seeing the Will is going to guarantee their willingness to speak with me. I still can not force the children or their guardian mother to send the ID 's to Quicken/Rocket Mortgate. 

I am protesting Rocket Mortgage 's request. I have asked repeatedly for someone to speak with me regarding this loan. They have refused informing me they are not authorized to speak with me. I have received the legal documentation giving me the right to sell the property when the time comes. I also have the taxes paid each year since my sister passed away and records from the IRS that were sent to me to aid in the process of paying her taxes. 
I believe Rocket Mortgage is acting wrongfully against the XXXX XXXX XXXX XXXX XXXX and the children who are the beneficiaries. 
I seek to resolve this problem as an aid to fulfilling my due diligence to my sister 's will. 
Sincerely, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt XXXX, XXXX, XXXX } XXXX - - - - - - 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Untitled { Consumer disputes this account information Medical Subject has not satisfied debt ., XXXX, XXXX } XXXX - - - - - - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"

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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGL Associates, Inc.
State: FL

Complaint narrative:
I sent RGL Associates a request for XXXX XXXX on XX/XX/2022. Below is what I requested : " Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. ( The HIPAA authorization form ) Cease any credit bureau reporting until the debt has been validated by me. '' on XX/XX/2022 I received a response via mail from RGL Associates. They provided a detailed breakdown of ALL of my medical procedures and medications given, and did not provide a signed HIPAA form releasing said PERSONAL information to be sent to a collections agency. This is honestly embarrassing for strangers to have my personal medical information which is a direct violation of my privacy rights. I only have documentation ( sent to me by XXXX ) with my signature authorizing the release of my medical information to my spouse, the original hospital and any referral physicians.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX loan # XXXX as XXXX days past due to XXXX, XXXX XXXX and Experian in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all XXXX credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant XXXX violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.

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 2022-04-19 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from ONEMAIN on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from One Main Financial and I have been injured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX XXXX } XXXX -Untitled { Medical Subject has not satisfied debt., XXXX, XXXX } XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: AZ

Complaint narrative:
Professional Credit Service attempted to collected a debt for more than what was owed on my original debt. 

The original debt was for XXXX and they attempted to add on a fee of XXXX + interest charges of XXXX. 

The debt was eventually rescinded via the original owner of the debt. XXXX  of XXXX Utility Billing. ( I believe they messed up and sent my account to collections to early ) Professional Credit Service took a debt collection on XXXX XXXX when my due date was XX/XX/XXXX. 

Pretty sure both parties messed up and that's why XXXX of XXXX fixed the issue. However, PCS was hostile and wouldn't remove fees when I called to pay the original amount of XXXX. 

I had to call back XXXX of XXXX and have them rescind the collection request. 

PCS also wouldn't tell me if they were abiding by the law. I was under the assumption that collections were allowed until 30 days after due date. I would like to know the lawful ability for companies to send your account to collections to make sure PCS is abiding by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
I paid off my personal loan ( amount {$770.00} ) with Navient as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX ( a XXXX ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that Navient continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from Navient reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, Navient needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 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 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX/ account # XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Cronheim & Larsson, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I was scammed on XXXX through the hackers impersonating my friend on that app. He convinced me to work with this crypto broker named XXXX XXXX. Contacted her she promised to send me {$10000.00} by investing {$1400.00} with her and then her XXXX would contact me and send me my money. He called me and told me to have the companys email on my XXXX and send testimonial videos of me claiming I got the money. Once I did that his number hung up on me and was locked out of my XXXX account. The next day my XXXX account started doing the same thing that happened to my friends account and hitting up people to invest with this person XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19 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: AES/PHEAA
State: NV

Complaint narrative:
I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX has violated my r

ights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 's XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation