vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This matter concerns the handling of Rushmore Loan # XXXX On XX/XX/XXXX, I received a letter from Rushmore Loan Management Services informing us that they were transferring the servicing of our loan to another company, XXXX XXXX XXXX, effective XX/XX/XXXX. 

I was dismayed to hear this because I had called Rushmore every week in XXXX requesting a copy of our year end federal tax interest and tax reporting statement. Each time I called, they assured me that I would receive a copy in the mail by the end of the week. 

After I received the notice of transfer, I called Rushmore again and spoke to a XXXX who would only further identify himself as XXXX # XXXX. He stated that since we hadnt made any payments, it wasnt necessary to issue a 1099. I asked him about the tax payments to our county authorities. He said he reviewed our file and saw that Rushmore had made two disbursements of {$8200.00} each, one on XX/XX/XXXX, and one in XX/XX/XXXX. 

When I again asked him for a copy of the federal year end tax and interest statement, he said no electronic copies were available, but he could fax a copy. Since I do not own a fax machine, I asked him to fax a copy to our HUD Certified Housing Counselor, AND to send one to our home by mail. 

To date, as of XX/XX/XXXX, NO fax or letter has been received by me or our HUD counselor. I am very concerned that this document will not be sent out and our loan will be transferred to another servicer and we won't have any information regarding the payment our our property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
In XX/XX/2018, I became a victim of Mr. XXXX XXXX ( " the scammer '' ) ( https :  XXXX ) via XXXX. He introduced himself as a Bitcoin Miner and Binary Options Trader. He advertised me trading servises as a broker promising 5 % of the commission for mining bitcoins and 15 % for trading options for third parties. Mr. XXXX accompanied me for almost two years as a trading expert, and also maintained contacts with trading companies trademerits.com and XXXX. All moneys was transferred from my e-wallet to the scammers e -wallet for a total amount of {$45000.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX while on the phone with that companys sales lady and the web site. I purchased a {$500.00} gift card for {$450.00} and made a purchase that was confirmed and informed by the sales lady they would ship in three day. Item was never shipped. On the XXXX of XXXX I was told the girl who took the order made a mistake and to reorder on the web site. I was unable to reorder because their web site indicated it was already ordered. They have no record of it being ordered. The web site will not allow me to order indicates the item was already ordered. They refused to give me a refund for the gift card where no item was ever shipped. 
I contacted CitiBank to stop payment around XX/XX/XXXX. They said they would send me a letter to fill out and return. I never received the letter. Called Citibank they said they will send a new letter via email on about XX/XX/XXXX. 
Called Citibank again and was told then never received the dispute letter back of XX/XX/XXXX. I obtained the dispute reference number from Citi bank XXXX XXXX XXXX XXXX to be sent via email to XXXX I sent them the documents twice, over the next two months and they acknowledge receiving the information in a return email. I asked them to have XXXX XXXX XXXX provide evident they shipped the item and that I signed for it. 
Now on about XX/XX/XXXX Citi bank says there sorry because the time limit has elapsed and I will have to pay {$450.00}. 
Called Citibank on XX/XX/XXXX and the lady told me she can see where the letter that was supposed to be sent to me via email on about XXXX XX/XX/XXXX was never sent. She went on to say its to late to reopen the case and because of the virus there is a very small staff to handle the case that has been closed. 

XXXX 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 2020-03-26 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 noticed a hard hit on my credit report I never authorized by a company called XXXX. NO ONE never asked for my consent to obtain my credit report nor to make a hard hit. Experian never shouldve allowed this.

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 2020-03-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: IA

Complaint narrative:
Reverse Mortgage Solutions left a message on my voicemail on XX/XX/XXXX at XXXX XXXX  : This is XXXX at Reverse Mortgage Solutions a debt collector please call me back at XXXX. Reverse Mortgage Solutions in not a debt collector they have the mortgage on my home. This was all a scam being set up by a former employer a XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, Iowa XXXX ; XXXX XXXX. XXXX XXXX owns the XXXX XXXX XXXX XXXX  I used to work for here in XXXX XXXX XXXX XXXX. When I worked for XXXX XXXX 20 years ago, she recorded the numbers of two of my Visa cards and this is identity theft. She did not record these credit card numbers to steal money or goods from them she recorded them so she could harass with them. I have been unemployed for 18 years because of XXXX XXXX and these two Visa cards ended up with a debit collector XXXX XXXX. Because I have been unemployed for 18 years XXXX XXXX is the reason for this credit card debt. I submitted a complaint # XXXX to the cfbp on XX/XX/XXXX and XXXX XXXX was harassing then with these two credit cards and she has been harassing with these two credit cards for 20 years. 
On XX/XX/XXXX she was again harassing with this credit card debt at Reverse Mortgage Solutions. She was trying to make me think that RMS was going to foreclose on my home if I did not pay this credit card debt. What upsets me about RMS is that the employees at RMS let XXXX XXXX talk them into helping her set up this scam. Attached is a letter addressed to the postmaster at the XXXX XXXX post office that I am going to send to the USPS inspector General about this incident on XX/XX/XXXX. XXXX XXXX got the information that RMS had the mortgage on my home by tampering with the US Mail at the XXXX XXXX post office. XXXX XXXX has gotten away with tampering with the US Mail for over 40 years at the XXXX XXXX post office by manipulating the employees at the XXXX XXXX post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XXXX I applied for and was granted XXXX  XXXX status. I provided proof from state of Virginia XXXX XXXX   XXXX and my Dr. completed documentation. my {$3000.00} loan was discharged. In XXXX I received a notice asking if I was employed. I called Nelnet ( loan holder ), explained I could not work. They asked that I send email stating such, which I did. They were contacted again in XXXX the year XXXX XXXX were XXXX  in my XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating my loan is in default and my Social Security funds will be offset. I contacted the Department of Education on The evening of XX/XX/XXXX after waiting on the phone for 40 mins. To speak a representative comes on the line tells me I needed to reapply for XXXX XXXX every three years  until the end of my life. She said my check will be taken and she rudely hung up as I was asking questions. On XXXX XXXX I contacted Nelnet, they explained they received the email they requested from me but I neglected to sign it. 
I also sent a hard copy letter with signature. When I asked for a copy they couldnt provide one, but they informed me that Ill need to reapply. They said they could not stop my Social security checks from being taken. Im a XXXX yr. old senior with an XXXX yr. old Ill mother. Well be homeless if they confiscate my funds. Ive written them all to no avail. I asked them to reinstate me. They refused. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: PA

Complaint narrative:
on XX/XX/2020. XXXX XXXX XXXX of XXXX ME took a credit report on me. Their bank also left 2 messages on my phones. I have no business with this bank. I called a corporate center, and they could give me no information on this. I believe someone is trying to use my credit rating illegally

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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
GCS third party debt collector continues to harass me through email notifications ; I am liable for XXXX account previously closed, latter re-open in my name without my consent. XXXX   admitted due to there antiquated servers and networks resulted in data breach or cyber security attack. Kindly review the attachment of support of argument. 
GCS Services are culpable for damages under Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and other relief having violated FTC Act, 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have sent multiple disputes to hunter Warfield stating that the debt on my credit report to bristle properties is incorrect ... i paid what i owed and the amount they put off on me should have never occurred because the property manager at the time promised he had a person to take over my lease when my husband and i had to move to another city due to a medical emergency my husband was facing at the time. They still will not take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX keeps refuses to remove a debt of $ XXXX from my report after i have filed multiple disputes atating that this was due to identity theft. I have never had XXXX XXXX XXXX as a phone company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My complaint is because i trying to fixed or take off from my credit report one collection mark.Because i keep doing the payments each month.just i want like them remove the collector mark from my credit report.thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
RECEIVABLE MANAGEMENT SYSTEMS is the debt collection agency. 

Original Debt stems from XXXX XXXX XXXX XXXX. I did not receive any medical service from them. I have always had medical insurance coverage and the amount they attempted to bill me is well beyond what I would have been billed even if I had received service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
No income during Corona virus. Need to defer mortgage payments and pay on back end of 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 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My complaint is because i trying to fixed or take off from my credit report one collection mark.Because i keep doing the payments each month.just i want like them remove the collector mark from my credit report.thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: VA

Complaint narrative:
Due to the Corona virus situation, I try to talk to lendingclub about the options they offer during this financial period but their online service is down and the call center isn't answering. I waited a total of 7 hours for the last 4 days to contact any personal from lending club but no luck at all. At one point, after waiting two hours they answe my call finally on XX/XX/XXXX. Although they offer deferment for two months yet the interest is still would be accruing. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I became aware of a fraudulent Chevron/Synchrony credit card when checking my credit scores late XX/XX/XXXX. Contacted Synchrony and alerted the Credit Reporting Agencies. Over the ensuing months, I would receive a statements from Synchrony that they completed an investigation and that I benefited from the transaction. Each time I requested that an invesitgator call me so that I could go over the details ( which were obscure in the beginning ). 

To this end : -no statements were ever sent to the house ( although the account had been opened more than a year -the account was opened using an address that I had moved away from over 20 years ago - the largest purchase was at an auto parts company in Delaware - {$3100.00} and {$4900.00} ( I live in Ohio and haven't bought auto parts in decades ) -email for the account does not match any that i ( or my wife ) use -our phone numbers were not the same as the ones on the account -I have a top credit rating and routinely pay in full on balances much larger than this one Dates : XX/XX/XXXX : became aware of fraudulent card - letter sent by Synchrony stating investigation completed and I benefitted from card XX/XX/XXXX : second complaint filed, request to talk to investigators XX/XX/XXXX : Synchrony sends form letter stating investigation is complete and charges benefitted me. No one has returned my calls Early XX/XX/XXXX : Third call ; somehow they have switched the number on the account ; Synchrony asked again for investigator to call XX/XX/XXXX : police report filed with the XXXX XXXX, OH Police Department ; copy sent and case number of the report emailed to Synchrony XX/XX/XXXX : Phone call with Synchrony - transferred to Specialist XXXX ; investigation reopened ; again pleaded that the investigators call about the glaring inconsistencies Mid XXXX, XXXX : Receive letter ( dated XXXX ) from Synchrony stating that a credit will not be issued for the {$11000.00} (??? ) XX/XX/XXXX : Spoke with XXXX from Synchrony who explained the credit and not to be concerned with it.

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 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied/was accepted for the Gold Delta American Express ( Amex ) card on XX/XX/XXXX, as they were offering : - {$200.00} statement credit after making a delta purchase within the first 3 months XXXX bonus miles after making {$1000.00} in purchases within first 3 months I was accepted for the card, used it on Delta flights the very first day, and met the required spend amount to get the bonus miles too. I called on XX/XX/XXXX and the agent I was on the phone with said I had fulfilled all of the necessary steps for the bonuses, and to expect them on my next statement. After that statement passed, I called again and talked to a different agent - she said I was not eligible for this promotion as I should have received a popup when I applied, but I did not, otherwise I would not have gone through applying and definitely would not have put so much on this card. I am confused and disappointed about how two agents can say two completely opposite things, and how companies are allowed to just renege on their terms that they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLIANT CREDIT UNION
State: MO

Complaint narrative:
I've had a credit card, checking, and savings account with Alliant since XXXX. I've never been late with a payment and had over $ 30K on deposit with them at the time of closure. 

I received a letter in XXXX that there was an annual meeting and I was expelled and my membership would be terminated XX/XX/XXXX. While I appreciate the notificiation and time to change auto payments, I feel the timing of this was due to COVID-19. 

If I was non-compliant with something, I would appreciate being told what it was and have the opportunity to correct it rather than being shut down during a crisis and while on lockdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have gone back and forth with Doctor 's Business Bureau about a {$350.00} collection being reported to credit reporting agencies. This debt is a result of medical services provided to me. I have disputed the debt as I am an insured patient with 100 % XXXX/XXXX  coverage provided by my insurance. The facility ( XXXX XXXX XXXX ) was in-network for the annual/XXXX  XXXX  but out-of-network for the follow-up XXXX  resulting from an XXXX  detected in the annual XXXX. I was not informed that the second ( required ) follow-up XXXX  was an out-of-network service. In addition, I was required to sign the attached Assignment of Benefits in order to receive services during a medically and emotionally trying time. I am claiming that a reasonable person ( distraught or not ) would NOT assume that a facility is in-network for annual/preventative services and out-of-network for follow-up services resulting in an XXXX  from the annual XXXX. 



I was never given the option to dispute the debt. A few months after the services, my employer changed insurance carriers, and I never hear from XXXX XXXX again. Moving forward, XXXX XXXX XXXX assigned the debt to Doctor 's Business Bureau who proceeded to report the debt as a collection to credit reporting agencies and negatively impacting my credit. 

As a result of a recent request for Doctor 's Business Bureau to verify the debt and provide my authorization for XXXX XXXX XXXX to share my personal medical information with a third party, they submitted the attached assignment of benefits. 

I am reaching out for verification and validation of XXXX XXXX XXXX and Doctor 's Business Bureau 's debt collection practices. 

Please review the attached and provide insight to help me amicably solve this matter with Doctor 's Business Bureau or provide the contact information of an agency that can support me with this matter. 

Thank you in advance.

Company response to consumer: Closed with explanation