vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I received a letter from a law firm offering assistance for my home and it mentioned that my house is up for tax sale. I was not aware of this, at all. I pay my property taxes through my mortgage payment/ escrow account and have not missed any of my payments. I was not notified by my lender that my taxes were delinquent in any way. I contacted my lender, Rushmore Loan Management, on XXXX  XX/XX/XXXX and notified them about the issue. The person I spoke with confirmed that Rushmore had not made any tax payments on my behalf and I was told to give them 3 business days to have a resolution. I called on the 3rd business day, XXXX  XX/XX/XXXX, for an update and I was told that nothing had been updated on my account and that I should call on Monday. I called today ( XX/XX/XXXX ) and I am again being given the run around about what is going on. I'm being told that an investigation needs to happen and that I won't be able to get an update until XX/XX/XXXX - which is the date of my tax sale. I am completely stressed out about this. I don't know what needs to be investigated. The lender, while on the phone with me last week, looked up my account on my county 's website and saw the balance and that Rushmore had not made any payments. I am worried about losing my home. I do not have the XXXX XXXX balance that is owed and Rushmore keeps stalling with giving me any real information about what is going on. I have repeatedly asked to speak to someone who could give me details on how this situation is going to be resolved and I get put on hold for minutes at a time just to be told that no supervisor is available. This is infuriating and I would like to know what resources I have in getting the balance paid. Rushmore Loan Management has been taking my tax payments ( escrow ) and doing what with my money??? UPDATE : I finally was able to speak with a supervisor named XXXX just now. He initially said my disbursement would be sent on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  ) but he then said that he would work to escalate the issue and that he will update me on XX/XX/XXXX ( a week away, smh ). I'm filing this complaint now because I don't trust what I was told and I want to have my bases covered in case I get the runaround with this again next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The creditor is reporting inaccurate information on credit report the account was charged off originally in XX/XX/XXXX and showing a new, paid it in full XX/XX/XXXX, the account is only showing charged off for XX/XX/XXXX that is not correct .this is not showing the aged charge of so it can be removed from my credit report correctly in 7 years.

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/XXXX Experian, This is merely a paper trail so I can pursue damages in court to take legal action against Experian. I have sent in all the documentation needed to remove this address from my credit report. I have sent certified mail and filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) attaching the documentation as well with those complaints too. XXXX XXXX XXXX, XXXX, OH XXXX is not my address. I have lived in Nevada since XXXX. There are accounts that is attached to this address are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these accounts are attached to the above address. I called the fraud department on XX/XX/XXXX and spoke with someone by the name of XXXX. He told me even though I sent in documentation that he still REFUSED to remove the erroneous address and accounts attached to that address on my Experian credit report. I told XXXX it is against the law to leave information on consumer credit report when supporting document has been sent in. Experian has acted like they have never gotten my police report I sent years ago. Experian act as if they never gotten any certified disputes through the mail. XXXX stated I needed to call the companies on my report that is reporting information that does not belong to me. I can not give these companies information that I am not aware of and the companies have not responded to my phone calls to remove information that does not belong to me! The burden of proof is not of the consumers when Identity theft or name mix-up is concerned. Im sure Experian remember this lawsuit below In XXXX XXXX Experian Information Services, the plaintiff XXXX XXXX Experian credit report was merged with another persons, who was deceased but had opened up accounts prior to XXXX being born. XXXX filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and XXXX then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. I have reached out to the law firm of XXXX XXXX XXXX, XXXX. who will be proud to represent me in this situation. 

The lawsuit above is similar to what Experian is putting my through! Stop sending me repeated pre made letters stated verified! It is a lie! Experian did not verify NOTHING! 

Remove the address, remove those accounts attached and send my updated report to : Email : XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX attached police report and bank statement for my address verification

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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is violating my consumer rights. Experian continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX as noted on report # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Experian buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Experian 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Experian continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.

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 2022-04-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX  XXXX  Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 items 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 non-monetary relief
Consumer complaint received 2022-04-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I pulled my updated credit report on XX/XX/2022, and realize that it still has multiple erroneous information on section " Personal information '' the address such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, and XXXX XXXX AV XXXX XXXX, NY XXXX, do not belong to me, about a month ago I sent a dispute to the credit bureaus to remove the inaccurate address that were found on my credit report, unfortunately they did not remove it, so I am now getting in touch with the CFPB, because I do not want inaccurate addresses on my report and I need them off.

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 2022-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IN

Complaint narrative:
AD Astra Recovery Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has been sending me collection notices in the amount of {$300.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

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 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 2022-04-25 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

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 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 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Ive always had a great experience with your company, and Ive committed to paying back my loan on time for 10 years now, Unfortunately, I experienced a decrease in my salary, during that time that stretched my budget to the point of breaking. As you can see in my record, Ive paid on time for 10 years now Im trying to obtain a mortgage and am worried about qualifying or getting stuck with high rates, which could cost me thousands of dollars over the years. I truly believe I should receive forgiveness the amount is {$7500.00} I humbly request that you forgive my balance so that I can purchase a home for my family and I. This amount Im unable to pay and although its pause for now Im worried about future dates for student loan repayment. Thank you for your consideration, and I hope you approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I trie to reach the bank many times to open a dispute and was impossible, I submited a claim trough CFBP on XX/XX/XXXX under this number XXXX The the bank reached me long time after saying they cant open a XXXX due the long time. 
Need to insist in the XXXX request because is the bank fault that nobody takes cares about this. Also I tried to call again last week and that department doesnt have direct line, so need to request a call back but im not in XXXX XXXXXXXX so they cant reach me in an XXXX  phone number. 
The bank put a lot of difficulties to process a claim...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: IL

Complaint narrative:
Key 2 recovery is constantly trying to contact me at my place of business. I have emailed them stating to stop contacting me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: SC

Complaint narrative:
i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian This is a violation to all 3 credit report agencies experian XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have contacted XXXX XXXX 4 times and disputed with the bureaus. I have never had a late payment on my XXXX credit card account because I do not use the card. I opened the account to build my credit. I was told that they would correct it and they never did. I need these late payments marked as on time immediately. Although they have aged, they are still holding my credit score behind and I should not suffer at the incompetence of lazy employees of these company.

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 2022-04-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted XXXX XXXX 4 times and disputed with the bureaus. I have never had a late payment on my XXXX credit card account because I do not use the card. I opened the account to build my credit. I was told that they would correct it and they never did. I need these late payments marked as on time immediately. Although they have aged, they are still holding my credit score behind and I should not suffer at the incompetence of lazy employees of these company.

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 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My problem is simple : on XX/XX/XXXX an unauthorized transfer of {$200.00} was made from Venmo to go to my daughter XXXX which she never received. I only know this because the transaction showed up on my XXXX XXXX account as a transaction from Venmo. My daughter doesn't even keep the Venmo app active on her phone unless she is expecting to make or receive a transaction. Instead of Venmo correcting the error and returning the funds to my account I talked to a Venmo rep who said she needed my daughter to call to say the transfer was not received and was not requested by her. She did so. Then we called together to explain and were told the money would be replaced on XX/XX/XXXX. 

We called Venmo again and were told the money went to her XXXX XXXX account. It did not ; she transferred the money back to me via Venmo at XXXX on XX/XX/XXXX. She had to download the Venmo app to do so, which she did.The {$200.00} has not been returned, we've talked to several representatives none of whom seem to be able to correct this error or even explain how it happened. And we get a different story every time. First I was told this unauthorized transaction may have happened accidently if my phone was unlocked in my purse similar to XXXX XXXX XXXX XXXX someone. Then a rep told me I tried twice on XX/XX/XXXX to send the {$200.00}. I never authorized any payment to my daughter and we have spoken to Venmo separately and together to get this resolved. I mentioned this mysteriously happened once before in XXXX. I simply got in touch with Venmo, they reversed the transaction, charged me a transaction fee and that was resolved. I disputed the fee and that has never been resolved. Now, I had to get " permission '' from my daughter for the money to be returned, she had to verify who she was before they could accept her " permission, '' and on and on. Plus, Venmo has NO NOTES on all of these calls so we have to start from the beginning each time we call or I write to the company. There is no trail of information about unauthorized payment. When I asked, what if the recipient had not been my daughter but a stranger, would I have had to get the stranger 's permission for Venmo to correct the error? I get no response to that question. The final email I received said my case was denied because the {$200.00} transaction was not unauthorized! 

I need my {$200.00} put back in my account. It is causing me to have to monitor my account daily to keep from being overdrawn, which is now likely to occur before the month 's end.

Company response to consumer: Closed with explanation