vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
I requested on XXXX XXXX, 2017 via Rushmore Loan Managements online secure messaging system, and via a written letter sent the same day that I wanted to formally request to have my home reappraised in order to remove PMI. I am confident that if my home is reappraised the new appraised value will lower my LTV below the 80 % threshold needed to have PMI removed. I called at some time in mid XXXX to see where my request stood, and was told that it was still being processed. I have yet to receive any sort of response from Rushmore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.

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 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank has lied to me. they illegally foreclosed on me in 2010.I fought them and spent {$37000.00} with an attorney and they put the house back into my name. The promised a modification which I have not gotten as yet. They provided me with a confidentiality agreement which I refused to sign as they have cheated me and want to hide that fact under the rug by shutting me up. they once again are trying to foreclose and also refuse to locate money i sent them. They cashed the checks i sent but never applied the money to y loans. ( XXXX loans ) .Please wo n't you help me. No one has as yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMB, Inc.
State: NJ

Complaint narrative:
I got a Final Notice in the mail today from RMB Inc, stating that I have chosen to ignore their previous communications for a debt collection in the amount of {$670.00} ( for XXXX XXXX XXXX XXXX, ie XXXX XXXX XXXX, rendered on XXXX/XXXX/XXXX ), which is false. Not only did I pay what they said I owed in the amount of {$490.00}, but I promptly corresponded each time I received a notice. On XXXX XXXX, I mailed out a letter to their XXXX address ( at XXXX XXXX XXXX XXXX ) attempting to dispute the validity of the debt, as I contacted their billing offices upon receiving their bill, and in which XXXX XXXX XXXX XXXX stated that they would accept a 40 % prompt pay discount in full in consideration of my uninsured status ( as paid on XXXX/XXXX/XXXX ) ; RMB Inc ignored this letter and sent another debt collection notice. I 'm enclosing proof of payment as well as the bill and email regarding billing, saying it would be resolved. The date of the emergency care was at a time too where, to my knowledge, my XXXX insurance was still active. I am now covered by XXXX XXXX XXXX ( XXXX XXXX XXXX plan ). Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are long-time Wells Fargo customers, in fact, when we use the ATM or sign on to online banking, the message thanks us for our 25+ years of being customers. In the XXXX XXXX, XXXX edition of the XXXX XXXX, there was an article about the ongoing sales practices that led to the current scandal. The article addresses a report that says the problems in the banks sales culture date back to at least XXXX far earlier than the bank had previously said We wrote to then CEO XXXX XXXX in XXXX about an unnecessary home equity line of credit that ended up costing us {$500.00} in fees. We did not need the line of credit and in fact, never used it. The banker at the time said it was good to have just in case. We were told in a later phone conversation by XXXX ( XXXX ext. XXXX on XXXX/XXXX/XXXX XXXX XXXX PT ) and XXXX ( XXXX XXXX ) that there was no pre-payment penalty. A full year later we recalled that the line of credit was sitting unused out there and considered using it for a kitchen remodel. We were unable to use the loan because of subordination so we closed to line of credit, again, without ever using it and were charged {$500.00} for an unnecessary, unwanted and unused line of credit. The response back from Wells Fargo was a cold form letter, not customer-centric and certainly not something we expected. Now that the banking scandal appears to pre-date the line of credit, I requested information on the entire process of the line of credit. Was the employee who signed us up for the unnecessary home equity line of credit paid a commission and/or bonus? Were they part of the scandal? Were they fired by Wells Fargo? Was anyone else involved in the line of credit a part of the scandal and did they receive commission and/or bonus for the loan? I requested yet again, that we be refunded the {$500.00} we were charged for an unwanted, unnecessary and most importantly, unused home equity line of credit.

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 2017-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
To help in resolving communication problems we are having in understanding the responses provided and received from Specialized Loan Servicing it is most important our two requests be provided.
1 ) The first request is : We are encountering problems concerning the previous communications with Specialized Loan Servicing during the months of XXXX XXXX thru XXXX of XXXX. We are requesting the copies of all written correspondence between us during that time period to confirm they are from XXXX and XXXX XXXX 2 ) The second request is : Please provide the date of the first correspondence that SLS provided and sent the alleged Home Equity Credit Line and Disclosure Agreement showing the rubber stamped endorsement of XXXX XXXX XXXX next to signature of XXXX 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 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a XXXX American Express Rewards Card. I stopped using it. The program for XXXX was transferred to XXXX in 2016. They called to ask if I wanted to have a XXXX BarclaysCard. I told them I did not. I did not renew. Then I started to receive a bill every month or so, with an amount due for {$40.00}. I called and told them I never accepted this card, please cancel. It kept coming. I believe I called 3 times. Recently, my credit was pulled for a home purchase. I see that my credit score had dropped XXXX points. We found out it was because of a delinquency from this {$40.00} charge from a card I never accepted. You can call the BarclaysCard Investigation Specialist for more information. 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 monetary relief
Consumer complaint received 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both Transunion and XXXX. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on Transunion and listed as closed accounts on XXXX. They should have never been added because the debts with the original creditors was discharged.

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 2017-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was a patient at XXXX XXXX XXXX XXXX to receive XXXX in my XXXX. I paid the amount due at the time of the visit, which was something like {$100.00} - {$150.00}. The remainder of the bill was sent to my insurance company. Unbeknownst to me at the time of needing XXXX in my XXXX, XXXX XXXX XXXX XXXX was not in network for my insurance company, and as a result I ended up owing additional funds to the service provider. They sent me a bill, which -- as happens from time-to-time -- fell through the cracks as I was traveling a lot for my job during that period. A few months later, the bill was sent to AMCOL Systems for collection. This is very atypical for me ; I have worked very hard for the better part of my adult life to establish good credit. I am very protective of my credit score, and it was never my intention to willfuly ignore the debt. However, my job continued to be extremely demanding at that time and required that I move my family to a new city. On XX/XX/XXXX I contacted AMCOL to pay the debt. Rather than negotiating a discounted payoff, I asked them if they would remove the collection from my credit report if I paid the debt in full. They did tell me that it was unlikely they would have the debt removed from my credit, but that a " paid in full '' status would be significantly better for my credit than " paid as agreed. '' I did pay them in full, but my credit has not improved as they said it would. I 've since called them multiple times and talked with multiple people asking them to please stop reporting my paid in full debt to the bureaus, but they simply will not do it. I know they absolutely have the ability to have the bureaus remove the collection from my report, but they simply choose not to because of their company policy - a policy that clearly is not in the best interest of American consumers. Not only is their policy unfair and unjust, but they continue to report to the bureaus every 2 weeks that my debt was paid in full, which keeps it at the top of my credit report and will continue to make it appear as a young debt. At this point it just feels spiteful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a balance on my American Express Card of {$540.00}. I paid them on XXXX {$400.00} and XXXX {$450.00} and I owe them XXXX they called me the other morning at XXXX in the XXXX. I am XXXXyears old, lost my job and am sick. They have been harassing me. They call me two to three times a dayand yesterday besides calling they sent two e-mails a day, I told them when I get my social security check on Wednesday.I will make a payment. Tonight when I called I asked to speak to a customer service rep they would n't let me and kept asking do you want to make a payment and I kept saying no and they finally let me into a rep from XXXX who could not answer my questions I have never been treated like this they also charged {$78.00} interest which the rep could n't find. I find the number calls galling wen I told them my situation an I think it should be stopped .I ALSO HAVE MADE NO PURCHASES since I lost my job on XXXX XXXX,2017

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both XXXX  and Equifax. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on XXXX and listed as closed accounts on Equifax. They should have never been added because the debts with the original creditors was discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I used my Wells Fargo Visa credit card to purchase a XXXX XXXX XXXX trip that I was solicited via telephone. When speaking to the sales person I inquired about the various places I would like to travel to, for example XXXX, XXXX, XXXX, and XXXX. I was told yes they had resorts in those locations so I proceeded to purchase the package for {$1100.00}. This was the first time I used this credit card. I called the credit card company on the day I made the purchase because the card was turned down. In speaking with the credit card customer service I asked if I changed my mind in a couple of days could I cancel the purchase, this was on a Friday evening so I had the weekend to change my mind. That Monday morning I called the credit card company to cancel the purchase because I had recieved an email with the various resorts they offered. None of the locations I had requested was included in the resorts. When I called XXXX XXXX XXXX about my concerns I was told they may offer resorts in the areas I was interested in at a later time. I informed them I wanted to cancel my trip. On that same day I called my Visa Credit card and requested they cancel the purchase. I was told that the purchase did not show on the card and that they would cancel but I should follow up in writing. I faxed them in writing the reason for my cancellation. In XX/XX/XXXX the charge was deleted from my account. In XX/XX/XXXX this charge reappeared on my XX/XX/XXXX billing account. I called the Visa Wells Fargo to see why they put it back on my account. I was told something about a third party charge and they would not take it off. They insisted that I use the trip. When I tried to book my trip around XX/XX/XXXX ( trip expiration is XX/XX/XXXX ) I was told by XXXX XXXX XXXX that my trip was under dispute and I could not book it. Once again I contacted my Wells Fargo Visa credit card company to help me resolve the dispute issue. On a three way recorded call the credit card company told the Vacation sales person that they had charged me the amount and they had been paid. After much discussion, the credit card company agreed to send written documentation that they had paid the trip and that I was being charged. I still have problems about getting information on the various resorts and what is offered at the resorts they offer. I no longer trust this company and because I had initionally requested the credit card company cancel this charge ( before it was charged to my account ) it should be removed from my credit card.

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 2017-06-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: OH

Complaint narrative:
On  XXXX  I was contacted by CRS  XXXX . The gentleman told me he was a lawyer who needed to get my side of the story on a debt I owed before going into court. He stated he was a lawyer and that the company I owed the debt to had filed legal action against me for check fraud that was punishable by jail time, fines, and restitution. He stated that unless I gave him my debit card information immediately they were going to move ahead with the legal filing against me. What can be done about this?

Company response to consumer: Untimely response
Consumer complaint received 2017-06-20 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: FL

Complaint narrative:
I have settled an account with collection agency XXXX XXXX and they agreed to delete the account once it 's paid. The account was deleted on XXXX XXXX 2017 and experian re inserted the collection account by XXXX XXXX, 2017 without giving my 5 days notice as it is my right to be notified if an account is being re inserted and I called and sent in proof the account was paid and removed and re inserted I disputed with experian and XXXX sent me proof they sent to experian to remove the negative trade line and still experian still has n't removed the negative 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 explanation
Consumer complaint received 2017-06-20 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: NJ

Complaint narrative:
I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my XXXX report and Experian report.

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my Equifax report and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

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 2017-06-20 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: TX

Complaint narrative:
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

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