vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
After their last response, I contacted Rushmore AGAIN. Every single Rushmore agent, including the one I spoke with minutes ago on XX/XX/2019 at XXXX XXXX PT stated that borrowers monthly escrow deposits and analyses are based on the most current tax bill paid. They just paid my annual tax bill in XX/XX/2019. XXXX XXXX assessed the property and that is the actual bill that Rushmore received and paid. My taxes are paid one time per year. The higher amount of {$4500.00} ( instead of the actual annual due of {$2500.00} ) that was estimated at closing was something made up by the lender not based in fact that I can find anywhere and I should not be subject to this fiction. Further, I was told that this would change as soon as the county actually assessed the property which they did. Aside from the first response to my CFPB complaint, Rushmore has failed to EVER tell me they require anything besides the last official tax bill to estimate and analyze tax escrow payments on an account. EVEN TODAY their phone rep said they had it wrong and need to re-analyze the account because they could see the bill and were charging wrong. Every single representative knew that the property had new construction on it, even the rep today, and they said they got it wrong and needed to re-analyze Because the latest actual bill is what determines upcoming monthly escrow deposits and they had that bill. Knowingly over collecting for escrow is a RESPA violation and knowingly requiring inflated payments is a TILA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
During XXXX, I was living in an apartment, signed the contract with the leasing office using XXXX XXXX. The leasing office subscribed a sport channel which was free for the first year, and the second year, if the subscription was not cancelled, XXXX would charge for that channel. I never paid TV bill directly to XXXX, was always through the leasing office, and every month the amount was the same. In XXXX, the leasing office didn't cancel that sport channel, and XXXX charged my account, but leasing office still collected the same amount as last year. The leasing office never notified me about the extra charge until I saw my account had a balance, and it was too late to dispute with XXXX. The accumulated amount was {$160.00}. 

Credence Resource Management LLC keeps calling me about this debt, they call many times per week, day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: VA

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 non-monetary relief
Consumer complaint received 2019-11-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently got approved for {$7400.00} credit limit on my Chase Sapphire credit card credit reporting name JPMCB CARD. it was open and activated on XX/XX/2019 and i was using it regularly for my bills and paying full balance off. Not even a month goes by, and i'm at the XXXX store trying to purchase XXXX   for my business startup, and i get a declined at the store. Completely humiliating me in front of customers. I feel like i am being discriminated against. when i called to rectify the problem, they stated that there were too many seeking credit for too many accounts. Also, now that it has a balance of approx XXXX dollars, they expect me to pay that but not re open my credit card after reconsideration. I have not misused any of my credit and this credit card company and i really like there product but if i have to go to social media. Solution, please re open the credit card with the full benefits i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/2019, i received a collection letter from the office of so called agency MUNICIPAL SERVICES BUREAU, i have never heard of this entity or of the amount of the collection attempt, according to internet search this agency history is that of untrustworthy business practice and is currently in civil law suit procedures .. i have requested more information from them regarding their claim and now waiting on response. i should not be harassed for an illegitimate collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
On XX/XX/2014 a XXXX XXXX  credit card account was opened thorough Banana Republic in Puerto Rico. After opening the account with a representative in XXXX she told me I would be receiving my card in the mail and specifically periodic statement. Something that never occurred, Since this bank doesn't have any presence in Puerto Rico, I've proceeded to go to the store were they told me to contact the bank. Finally after contacting the bank ( to see balance pending and were to make a payment ) all pending balance was paid in full, it was explained to the service representative that no card or statement arrived and that any late fee should be waived. Specifically due to the fact that no statement was received. I also proceeded to indicate I wanted the account closed. Currently my credit report reflect inaccurate and misleading information on the report. Specifically regarding a pass due amount of and delinquency that did not occurred. I strongly believe this practices are contrary to FCRA requirements.

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 2019-11-29 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the Nationstar/Mr Cooper loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the Nationstar/Mr Cooper loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the Nationstar/Mr Cooper credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by Nationstar/Mr Cooper, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact Nationstar and ask for XXXX XXXX. I'm not clear who made the changes and why would Nationstar/Mr Cooper would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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 XXXX XXXX am victim of identity theft and I am not a credit agency place

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 2019-11-29 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have a 28 year good standing credit report, not a single missed payment - until : 4 years ago I started a lease with Ally XXXX  and I paid the original payment through their web portal. After the payment I signed up so that the bank information was taken over for ACH. Ally must have had a technical problem with their web interface at the time, because the initial ACH didn't work. The company immediately filed a missed payment on my credit report. I have not missed a single payment after the setup incident, I bought even out the car, all without a problem. But neither 3 1/2 years ago nor now, did my request for removal of the credit report fall on open ears with Ally XXXX, who are on the Internet found with many complaints of similar nature. Ally is in the business of destroying their customers even for faults that they generated. 
I would like to get this resolved. 
regards XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX am victim of identity theft and I am not a credit agency place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX am victim of identity theft and I am not a credit agency place

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 2019-11-29 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: PA

Complaint narrative:
In XXXX, I began XXXX  school but was working full time. Navient automatically placed my XXXX loans into deferment when I began XXXX  school without my permission. I contacted them in either XXXX or XXXX upon noticing this and asked them to take them out of deferment, as I was working full-time and able to pay them. I was advised by the customer service representative that I should not do this and that the loans should always be kept in deferment while in school. I listened to them as I believed they knew best being the loan servicer. I was not notified that keeping my loans in deferment would substantially increase the interest that I now owe on them. I believe that the company misled me without properly informing me and am now left drowning in even more student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I wanted to submit an application for XXXX 's Credit Card using the link XXXX XXXX XXXX and when I saw the terms and conditions at https : //apply.syf.com/cs/groups/public/documents/et_tcdoc/e048003.pdf, I could not find the 'Annual Fee ' amount listed anywhere. 

I sent XXXX an email on XX/XX/XXXX with the content as " Annual Fee clause is missing in the Rates and Fees table and the Terms and Conditions page too. Please add the same ''. 

I got a reply as " The XXXX Credit Card is administered by Synchrony Bank. '' I felt the service was very subpar and unsatisfactory. Kindly intervene and have them include the Annual Fee rates in the terms and conditions please.

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 2019-11-29 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have an XXXX XXXX XXXX XXXX issued by Barclays bank. I recently received my XXXX billing statement and noticed the annual fee renewal notice. The notice mentioned that my account will renew next month and an annual fee ( {$99.00} ) will be billed next month. Barclays has changed card benefits twice in the past year, which impacts the value I receive. I've previously called to opt out of changes and request a copy of the card 's terms, but they never seem to be able to provide them. Due to this type of frustration, on XX/XX/19, I called customer service to mention that I did not get enough value to justify the annual fee. The fee notice specifically mentioned calling to " discuss alternative products that may be available or to close your account so that the fee will not be billed. '' The phone agent, XXXX, attempted multiple times to resell me on the card benefits and said he was unable to waive the annual fee. I had not asked about a fee waiver, but kept asking about the alternative products mentioned in the statement notification. The agent told me he couldn't offer my any alternative products and wouldn't waive the fee. He told me my only alternative was to close the account. I responded that I might close it, but that wasn't my first choice. I didn't like the agent 's tone or attitude, so I asked to be transferred to a supervisor. The agent resisted making the transfer, but I insisted on speaking with a supervisor. At that point, the call was disconnected. I can't say with certainty that the agent hung up on me, but it wouldn't surprise me. 

When I attempted to call back and speak to another agent, I found out that XXXX ( the prior agent ) had closed my account. While this may have become the ultimate outcome, the agent had clearly closed the account without my express permission. I was able to speak with another agent, XXXX, and she confirmed that the prior agent closed my account. Given the poor service, I'm fine with ending the relationship with Barclays, but it's clearly a violation to close a customer 's account without express permission. Closing an account has several implications and closing an account without permission can not be condoned or permitted.

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 2019-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
We have had several calls for repayment. We ha ve stated that we do not have the money at this time and will not have it anytime soon. The lady from Mariner finance XXXX phone number XXXX XXXX XXXX called my husband and threatened to have our wages garnished if payment wasn't recieved today XX/XX/XXXX. She was very rude and unprofessional. She stated she wasnt worried about the collateral but would get her money one way or another.

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 2019-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
I surrendered my Volvo old lease for a new lease offer with Volvo and after 1 month I have received a bill with an " excess wear & tear '' in tires for {$780.00}. 
Volvo Dealership accepted my old lease after check all the car with no issues the same. They didn't tell me that I have to pay anything ( I think because they wanted to sell the cars : 3 cars, XXXX $ value the same day ). After I signed contract, one month after, I received a bill for excess wear for tires, and they try to charge me premium brand tires ( 3 ). Volvo dealership now says is not his fault, it is a problem of Volvo Car Financial Services, and Volvo Car Financial Services says that the responsibility of not telling me is the Volvo dealership AND THAT THE DEALERSHIP IS NOT AN AGENT OF VCFS SO WHAT THEY SAY IS NOT VALID FOR THEM ( but the lease contract is signed by the dealership ). 
Customer service is awful, after 3 complaining letters they don't answer any questions nor justify charges or honor their promises ( VOLVO promises, for me, dealership, volvo brand, and volvo car financial services are the same )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the XXXX XXXX loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the XXXX XXXX loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the XXXX XXXX credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by XXXX XXXX, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact XXXX  and ask for Trade Line. I'm not clear who made the changes and why would XXXX/XXXX  XXXX would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
It has been a ventureful pain to try and open an account with Capital One Financial Services. 
Every time I call to try and activate my card it has been almost a 15 minute call and I have been getting the run around for quite some time. You send me a pre-approved invitation to apply for Capital One through via mail which I accepted, I applied online on XX/XX/XXXX and was approved with minutes I received my card 7 days later on XX/XX/XXXX. I went to activate my card and it said that I needed to call Capital One in order to activate my credit card, the agent I spoke to then said I needed to send three additional documents via an email provided secure link, which I did for social security card, drivers license, and a bank document for proof of residency, then I was told that was unacceptable that I need to send a bank statement with the full account number listed. I am tired of calling capital one multiple times to activate my credit card, being given the run around, and how long this process has taken ( 8 days ), when the first time I sent documents it took less than 48 hours to receive a notification back. I am extremely frustrated how every time I explain my situation I am subject to no understanding and someone who doesn't speak english fluently, and who has minimal customer service etiquette. It shouldn't be this hard to open a credit card, and I kind of feel like I am being discriminated or at least strongly discouraged to continue business with Capital One throughout this whole process by the number of hoops I'm having to jump through. I would think if this was more than a matter of security such as my identity being stolen I would have reported that to the credit bureaus, and the police ...

Company response to consumer: Closed with explanation