vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
On XXXX XXXX my insurance company XXXX XXXX submitted my declaration page showing my homeowners hazard insurance was paid for the year by myself. I requested a reanalysis on my escrow to deduct the monthly escrow for my homeowners insurance. On XXXX XXXX Rushmore loan management performed said reanalysis still including the homeowners insurance in the escrow analysis. 

I contacted Rushmore again and was then told I had to request a cancellation of the escrow for the home insurance which I did. I am now being told by Rushmore they can not cancel the escrow for the insurance part due to their policy requiring the loan to be seasoned for 24 months. 

This became obvious to me that Rushmore is not acting in good faith with their consumers. Rushmore is demanding I pay for 12 months of insurance that has already been paid. I have initiated several phone calls with Rushmore supervisor XXXX to no avail. I am not receiving call backs nor updates via email or the message board on my account. 

I am asking once again that Rushmore deduct the insurance part of my escrow to reflect the correct escrow of only showing escrow for taxes for 12 months currently my escrow is well in the positive not negative so legally there is no reason for Rushmore to be trying to bully consumers to pay for two homeowners policy in one year. 

No good faith effort is being made on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I just received another letter from Wells Fargo Auto Finance. This one has my alleged 'Signature ' on it. 

1 ), The signature is so small I can hardly make it out. 
2 ) I can not write as small as they have on this alleged Loan Application as I have XXXX XXXX in my XXXX XXXX XXXX, and I`m right handed. 
3 ) I told the salesmen that I would not sign the application as it contained misinformation regarding my earnings and have no assets. So this Loan Application is a fraud. I`m attaching a copy for review. 

If Wells Fargo Auto Finance keeps denying this, then I believe it will be time for me to seek an attorney. I can also get one for free because I`m on Social Security XXXX. I will attach my award letter once again.

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 2023-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, responded to a 0 % balance transfer offer from Bank of America. 
The transfer amount was {$7500.00} plus a 3 % ( {$220.00} transfer fee ). 
Incredibly, Bank of America started charging me interest on this allegedly 0 % offer. 
I refused to pay any interest or additional fees. 
In XX/XX/XXXX I paid off the entire remaining balance on the transfer, including the transfer fee ... total paid to Bank of America was the agreed amount of {$7500.00} plus {$220.00}. 
I have disputed the interest amounts on every single bill, including the latest just received. 
The first date of the original interest charge was XXXX. 
Bank of America has responded with generic letters indicating that nobody even read the disputes, but simply generated a letter saying I owe them interest. 

There is zero doubt in my mind that Bank of America has engaged in a deliberate, deceitful, misleading, and probably illegal, business practice. 

If they did this to me, they almost certainly did this to others.

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 monetary relief
Consumer complaint received 2023-07-12 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: Regional Management Corporation
State: NC

Complaint narrative:
This complaint concerns a high-Interest loan company. I acquired a secured loan with XXXX XXXX XXXX and paid the loan off early. My first loan with XXXX XXXX was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. 

Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 USC 1681. 

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 USC 1681.

has violated my rights. Or list of inquiries 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 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My existing home loan was sold to XXXX XXXX XXXX XXXX, serviced by Select Portfolio Servicing Company in XX/XX/2023. They are not reporting loan payments to the credit reporting agencies. When asked why they stated that they needed a " reaffirmation statement '' from a prior bankruptcy. I forwarded this to them however they state that it is insufficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 USC 1681.

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america promised me a 36 month 0 % via phone but sent me something else in the mail. spoke to rude supervisor XXXX out of New York XXXX and was told he was the highest I will ever speak to and I have called multiple times and I will not get anything. Very hostile employee. I was told in XX/XX/ that if I complained my credit card account will be closed

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 monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
A certified letter was mailed to XXXX on XX/XX/23 to validate this alleged debt ( letter is attached ). XXXX has responded with only copies of statements. According to consumer credit laws this DOES NOT validate a debt. XXXX is NOT the original creditor and I have NEVER done business with this company. I have not seen a contract with my wet signature. Please provide the proper documentation to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from TransUnion regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} The above account was never late, and I request TransUnion to correct/update this inaccurate information on my credit report. 


2. ) Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00} The above account contains inaccurate evidence that is causing prejudice to my credit reputation. The reported balance of {$450.00} does not correspond to the lower amount that I remember. I request TransUnion to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask TransUnion to mark this account as disputed to prevent further negative impact on my credit score. 


XXXX. ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$100.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$34000.00} The above account does not belong to me, and I request TransUnion to remove it from my credit report. 


5. ) Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} I require TransUnion to verify the accuracy of the account identified as XXXX XXXX XXXX The reported balance of {$3600.00} is inaccurate, as I believe it should be a lower amount. Additionally, the Past Due amount should not be presented, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that it does not negatively impact my credit standing. Furthermore, I request TransUnion to verify the Date Opened, Date of Status, and First Reported for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX financial is HORRIBLE. 

After years of nothing but troubles I decided to setup automatic payments to pay off this card. My last payment would have been XX/XX/XXXX - XX/XX/XXXX was normal due date. I waited until the XXXX to log on and seen I had a balance of $ XXXX paid it. My statement posted and I have a balance of {$36.00} ( {$34.00} late fee + {$2.00} interest ) I called customer service and she said because I didn't pay the {$9.00} by the XXXX I was late but I had already had an auto pay setup for the first. She could only waive {$15.00}. I say it should all be waved. Her manager is going to review it but could not give me a timeline of when I would hear something. I just want the account to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America has allowed checking accounts to be opened fraudulently twice with my information. XX/XX/XXXX and XX/XX/XXXX. When I called, they kept me on hold for 3 hours, then told me a claim was filed and the accounts would be closed. Neither of those happened. There are no claims, and the the accounts are still opened and being used fraudulently.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am one of the many victims of the Bank Of America debacle over charging {$35.00} dollars many times and forcing me to pay it all. I heard about them having to pay back customers like myself on NJ radio XXXX but haven't received anything as of yet.

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 2023-07-12 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: DE

Complaint narrative:
Transunion has 2 balances reporting on my credit report from XXXX XXXX XXXX that I am not aware of. A balance of {$25000.00} ( XXXX ) and {$3500.00} ( XXXX ) has been reported open as ofXX/XX/XXXX. This is incorrect/inaccurate reporting. I DO NOT OWN THESE DEBTS, NOR THESE ACCOUNTS, WHICH ARE REPORTING OPEN. Please DELETE them from my credit report pursuant to 15 USC 1681 and 15 USC 1692. I have included all necessary documents including an FTC XXXX XXXX ( Ref # XXXX ). Thank You.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 USC 1681.

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with explanation