vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXXXXXX XXXX XXXX  XXXX Ccs Collec Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My grace period of 15 days by Maryland law in my mortgage account has not been protected. Misc. Corporate disbursements and Corporate advance adjustments on my customer account activity statement in which I don't know what they are, how they is getting in my mortgage account and where they leads to. And the money orders for I sent them to XXXX. XXXX XXXX with payment coupon for that month would show on the right mortgage statement in the right time period. I am filing a complaint against Rushmore because Rushmore release a XX/XX/XXXX mortgage statement without my money during my 15 days grace period but the money was there. And I believe Rushmore will do it again because the Rushmore representative, XXXX XXXX write this in XX/XX/XXXX letter to me " Furthermore the last day of your XX/XX/XXXX grace period was XX/XX/XXXX. She writes '' However no late fee was assessed to you account even though the grace period has expired on XX/XX/XXXX, XXXX " And she sends me the customer activity statements which shows Misc. Corporate Disbursement amounts and Corp. Advance Adjustment amounts in which I know nothing about but it is under my mortgage account No., my name and my address and these amounts started from XX/XX/XXXX to XX/XX/XXXX. Who is using my mortgage account beside me? And where is this place located? Why on the date of XX/XX/XXXX by Maryland Law of 15 days grace period didn't the money which Rushmore received on XX/XX/XXXX show on a mortgage statement before a delinquent letter of XX/XX/XXXX was produced by Rushmore? My position is this : Anytime I get a mortgage statement that does not show the money I paid in which I know I paid I will do a trace on it. And that is what we do. Is this Rushmore position? Anytime Rushmore does not receive my money by the 10 day of each month, Rushmore will pull my money from XXXX XXXX and put it in another P.O. Box? Why have Rushmore let somebody put their wants in my mortgage account instead of serving me by Maryland law under mortgages and my need to pay my bill in the current period on a mortgage statement? On line 19 on the deed it is stated : Governing Law. This Deed of trust shall be construed according to the law of the State of Maryland. And Maryland does have a Law for mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This company never answers the Customer Service number if there is any issues. In addition this company is falsely saying I owe money I don't owe and this companies ethic 's is questionable.

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 2020-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have attempted for two years to get details of addition fees and charges they continue to charge me, I have never received any explanation of these fees and when I relented and paid for them, they charged me for a new set of fees and added them to my monthly total again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
As of XX/XX/2020 i noticed 2 auto loans on my credit report which does not belong to me. The accounts are as follows : I HAVE CONTACTED THE COMPANY BUT THE ISSUE IS UNRESOLVED.

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 2020-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I had spoken with XXXX about this debt that was included on my bankruptcy discharge on XX/XX/XXXX. Then I recently got a hit on my credit for the same amount from XXXX. I disputed with XXXX  and they claim is valid even though I submit the proof of my bankruptcy. This was a bill from XX/XX/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 2020-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-21 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: Southwest Credit Systems, L.P.
State: AK

Complaint narrative:
During the week I received notice of an account that was put on my XXXX  report without notifying me. I did not have a account with this debt collector nor has this company verified any information I have not heard of this company before and I am very upset that this account was just allowed onto my credit report there was no verification of this account or contract between me and them I was not even aware of charges that were due I have no information other than what I have just discovered on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX, GA to open a consumer checking account and was immediately told that it would not be possible. When I asked why?, I was told that they could not disclose the answer. They gave a number to call ( XXXX ) XXXX, which I did from the branch lobby speaking with XXXX for almost an hour. XXXX initially said that my opening of an account was prohibited due to XXXX  reporting two unpaid checks from XXXX each in the amount of {$270.00}. Finally, XXXX was supposedly able to remove the restriction. When I then reinitiated efforts to open an account, the branch manager asked me to leave because I was coughing, which I may have been but certainly no more than anyone else present. Unsuccessful, I went to the Bank of America branch at XXXX XXXX XXXX. XXXX where miraculously my coughing went unnoticed and began the process of opening an account there with XXXX XXXX only to be denied early in the process but given no an explanation for the reasons behind their decision, especially since I had been a Bank customer for at least 10-years through 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 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Collection Management LLC
State: FL

Complaint narrative:
Received letter dated : XX/XX/2020 From CCM Capital Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stated : PAST DUE NOTICE w/prior notification clause also that alters any of your rights as previously described ... 

Amount requested ; {$13000.00} ( full balance ) or {$350.00} Signed, XXXX XXXX Telephone call with Creditor XXXX / XXXX XXXX Just now XX/XX/2020 @ XXXX XXXX Verified that the account is in good standing and that there exists no past due notice. She will annotate the account to reflect fraud potential but would not verify if this CCM has an agency relationship with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Previously set up automatic payments for a credit card with PNC Bank, but recently received a delinquency notification on credit report. The automatic payments had not been going through the previous two months, which was the root cause of the delinquency. The bank was unable to provide any history or data regarding when I set up the automatic payments and whether I ended them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: MI

Complaint narrative:
I've refinanced my VA mortgage. The old lender, MidAmerica Mortgage, has been paid in full, and there is a surplus Escrow amount of {$2000.00}. The loan was paid in full on XX/XX/2020, and this, along with the Escrow surplus is indicated on the website. 

I've contacted MidAmerica mortgage multiple times ( 3 calls to  their Customer Service Center, @ XXXX XXXX XXXX regarding the status of the Escrow refund, the fact I haven't received the refund check via US Mail, and the fact that the refund is due no more than 30 days after the loan has been fully paid. 

I've been given 3 different stories ... each alleging they have processed the refund as far back XX/XX/2020, in one case, in another case, I've been notified I was to receive the check by XX/XX/XXXX, and finally, during the 3rd call, I was notified it should arrive by XX/XX/XXXX. Today is XX/XX/XXXX, and I've now been told they don't know why I haven't received my refund check. 

Their failure to release the funds is clearly a substantied violation of CFPB guidelines, and I'd ask enforcement procedures commence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I filed a complaint against EOS CCA agency with CFPB because this agency constantly calls me demanding payment for a debt that they refuse to provide documents or tell me who their client is to prove I owe this debt. In their response to the complaint they mention another agency that I have no idea who they are but again they still refuse to provide me proof of the debt in writing. Also I have asked them to stop calling me, and now that I have filed my complaint they have called me every hour on the hour. They call my cell number which I have no idea how they go my number, they are calling my mother, brother and my kids telling them that they got their numbers from skip tracing and they are trying to track me down. This has to stop. They are violating my rights and I want to file a law suit. They refuse to send documents to validate the debt. They refuse to tell me who their client is or what type of company they are, and now they are harassing me. I need help and I need it quick. My rights are being violated. They told me that no matter how many complaints I file with the CFPB they will never stop calling. They also told me that they will continue to report this on my credit and they will never send me proof of the debt because they do not have too ... I need help here. They need to be put out of business. This is beyond harassment. This is pure Torture

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: TX

Complaint narrative:
ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/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 2020-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA

Complaint narrative:
In XX/XX/XXXX I recieved a Writ  on my bank account for a judgment that was recieved by XXXX XXXX  against me in XX/XX/XXXX. Unfortunantly the attorneys office at the time stated I was served with a court summons to be in court in XXXX and I never recieved notice thus a Default judgement was entered on me at that time. Fastforward to four years later and that was when the original Writ on my bank account was placed and I challenged it and had a court hearing. I never heard a thing from From the law offices of Frederic Weinberg and Associates whom is representing XXXX XXXX   even during and after the first Writ  was placed on my bank account. Then the day of the court hearing they did not notify me and released the Writ on my bank account. I thought I was a victim of Identity theft as I do not have any accounts with XXXX XXXX  nor do I have any debt that I can attribute to be owned by them. Then two years go by and out of nowhere this year XX/XX/XXXX a Writ  is placed to garnish my personal bank account declaring I owe XXXX and XXXX and prothonotary cost of XXXX. I requested an immediate hearing with XXXX Courts and I was granted one XX/XX/XXXX. Unfortunantely secondary to the COVID-19 pandemic the XXXX county courthouse closed down the day before my hearing. The hearing is now rescheduled into XXXX XXXX. At this time I have no way to access my bank account. I am a mother of XXXX children who just recieved my federal tax refund the week the writ  was placed and I have no means to access anything for my children. I attempted to call the law office multiple times and only yesterday had communication with a dispicable person who treated me like I was dispensable did not even wish to help remedy this situation as I told him he was lying as they never contacted me about this prior to placing a Writ  on my bank account. I never knew of XXXX XXXX  in my life nor had I ever recieved calls from them prior to this attorney out of the blue obtaining a default judgment against me on the grounds of improper service. In XXXX I thought as it was released that it was gone. The person I spoke with yesterday at law offices of fredrick weinberg also said they placed a writ  on my bank account last year which is flat out false. They are a disgrace. They should not be able to do this in the midst of a global pandemic. I need the money for my family to live and they have no right to do this to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violations FTC Imposes {$5.00} XXXX Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency hacked during XXXX encounter The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XX/XX/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 2020-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I been tried to be always on time but lately I have been struggle because we gained custody of my grandson no complains on that just money problems all I wanted was an extension for few days until next paycheck that will next Thursday that will be XXXX the XXXX only few day they denied it and that will be get me in trouble with my bank I don't know what to do like right now I don't even know if I still have a job believe me I want to pay I been doing it but they are NOT a very understanding people and a lot of people are on my shoes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: HI

Complaint narrative:
My name is XXXX XXXX and on XX/XX/XXXX, and XX/XX/XXXX I paid merchant : XXXX XXXX via XXXX {$1000.00} and {$1000.00} respectively. XXXX XXXX received a total of {$2000.00} from me via XXXX. This purchase was for two  male XXXX XXXX kittens that I to this date XX/XX/XXXX have never received. I was informed on XX/XX/XXXX by XXXX ( email : XXXX ) that one of the kittens had died in their care. I have attached the email validating the death of one of these kittens that I signed a contract for. 
I emailed and called XXXX politely requesting a {$2000.00} refund to my credit card on XXXX  Day  XX/XX/XXXX as evidenced by the attached email. I made the purchase for two cats we had agreed upon prior to the death of one of the cats named XXXX. In this email I stated I did not want the substitute cats they were trying to pawn off on me because it was not what I had paid for and they also failed to deliver these cats by XXXX XXXX   which was the entire point in the first place. 
They have refused to give me my {$2000.00} refund or send me the two cats that I paid for. They have received {$2000.00} of my money via XXXX and have not delivered the two cats that were promised to me as of XX/XX/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 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I contacted Jefferson Capitol System by phone and mail that it I could have opened an account with XXXX XXXX in the amount of {$4100.00} on XX/XX/XXXX because I had a XXXX XXXX on XX/XX/XXXX and I was not physically or mentally capable to open any account. I do have medical records to prove it. I asked them to close that immediately. They have not.

Company response to consumer: Closed with explanation