vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
On XX/XX/2020, I paid-in-full my mortgage balance to Rushmore Loan Services. The amount of the payoff was large ( {>= $1,000,000} ). The loan was in default and scheduled for a sheriff 's sale, but I was able to find someone to buy my home at the last minute. Of the {>= $1,000,000} payoff amount, the principal balance owed was {>= $1,000,000}. I have asked Rushmore for a final accounting so that I can understand where all of my payoff dollars went ( principal, interest, late charges/penalties, escrow payments for taxes and insurance, foreclosure expenses, etc. ). To date, Rushmore has failed to provide me with this information. In XXXX, I was told that I would receive a final statement about 30 days after the payoff, but in XXXX, all that was sent to me was a general, non-specific printout of my escrow account. On XX/XX/XXXX, Rushmore told me I would be mailed a copy of the payoff statement used in my  home closing on XX/XX/XXXX, and a statement of my mortgage account activity. As of today, I have received nothing. I have a right to have every XXXX of the {>= $1,000,000} accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened an account at a branch with US bank in XX/XX/2019. At the time they had a promotion for {$300.00} if certain criteria were met. This can be and has been verified by US Bank. I met the criteria and have yet to receive the {$300.00}. Ive contacted the support services and the branch. Ive left voicemails with the branch on multiple occasions. Twice I was able to reach a bank representative who told me that they would get back to me, but never called back. Support services has told me several different stories. At one point I was told Id receive the money within 30 days, but never received it. On two other occasions in the past 3 months I was told that they would work it out and that someone from the branch would be reaching out to me. Needless to say this did not happen. Basically, support services tells me theyre not responsible and I have to deal with the branch. The branch tells me the employee who opened my account is no longer with the company and theyd have to escalate my issue which will take some time. Both dead ends.

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 2020-10-05 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file. I called immediately to inquire about what it was for because the debt was not mine. I never received any phone calls, collection letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2020, an unauthorized ACH transaction took {$2300.00} from my Navy Federal Credit Union ( NFCU ) checking account. I contacted NFCU immediately upon discovering this transaction -- informing them that I did not initiate the transaction. The checking account was closed and a fraud claim was completed. 

On XX/XX/2020, I received a letter from NFCU dated XX/XX/XXXX. The letter stated in part, " After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$2300.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' Requests for the fraud claim investigation information have been made through several phone calls to NFCU, two visits to local branch offices, and by email. Each time, I was told that the investigation report was the property of NCFU and can not be shared with me and that it would have to be subpoenaed. Their letter stated that I the right to request information concerning their investigation, yet, repeatedly, I have been denied the information needed to submit an appeal. 

I feel that NFCU failed to protect my checking account and failed to take action to retrieve funds that were fraudulently taken from my account and transferred to a XXXX   XXXX XXXX account even though they had the name of the individual and bank account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: MA

Complaint narrative:
My dispute is with XXXX XXXX XXXX. Account Information : Account # XXXX ProductXXXX XXXX VINXXXX Term:36  In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to XXXX XXXX XXXX in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with XXXX XXXX  XXXX  and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called XXXX and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XX/XX/XXXX/XX/XX/XXXX statement arrived yet the account was already overdue. 

Collections for XXXX does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
remove all the address not mine attached and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CA

Complaint narrative:
After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to XXXX. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX XXXX data breaches AND XXXX  breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( Experian, XXXX  and XXXX  ) with the messages that our credit are frozen and not available as show at the bottom of this communication. XXXX notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. 
I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the XXXX to assist - especially with Experian. We have probably 12 different numbers that we have tried with the 3 bureaus.

Working on-line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and XXXX  ). Experian doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data.

This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. 

We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. 

We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. 

Sincerely, Consumer Referral Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX | WWW.EXPERIAN.COM Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE

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 2020-10-05 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:
remove all the address not mine attached and 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 non-monetary relief
Consumer complaint received 2020-10-05 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:
remove all the address not mine attached and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have asked the company to send me the original signed contract, pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. They have not provided these documents to me but, they are still reporting the account as verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone either stole my debit card or hacked my account to use about XXXX XXXX dollars from XX/XX/XXXX to XX/XX/XXXX. The person moved from near me ( XXXX LA XXXX to XXXX. 
I was home during the weekend and never left the apartment except for to walk my dog. I even have a statement with another credit card of having delivered food to my apartment on XX/XX/XXXX evening, though the person who stole my card seemed to hit many stores wandering outside in XXXX  XXXX. 
I got an alert on XX/XX/XXXX afternoon about fraud activity and called the bank immediately to report fraud activities and stop my card. My bank ( Bank of America ) promised theyd perform a fraud investigation and would get back ti me. And I didnt hear anything from them for 10 days. 
On XX/XX/XXXX, I found out on its website that my case had been closed. I called the bank and they said everything looked normal and my case has been denied, even though this person spent XXXX XXXX dollars in 2 days. That was 1/3 of my savings. 
I have never been in XXXX for 4 years. I never spent this much money and all abrupt purchases at convenience stores clearly isnt my consumers pattern. 
I am desperate and very scared about this since I need to pay for my bills soon and i have very little saving and income during this time. 
Please help me and let me know what my options are. 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 explanation
Consumer complaint received 2020-10-05 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: SC

Complaint narrative:
I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as Experian, XXXX  and XXXX. I have provided proof of the cancellation via an email exchange between myself and the 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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
2020 Sam 's Club Synchrony Bank MC. All account balances due have been paid in full as of XXXX XXXX 2020 On this date a balance of {$990.00} was paid in full prior to the due date of XXXX XXXX 2020. A new balance for {$28.00} is due for XXXX XXXX 2020. Two calls were made to identify why a new balance issued, in the amount of {$130.00} is due, rather than the new transaction balance of {$28.00}. No one with customer service or management is able to identify the transactions totaling {$130.00}. Have spoken to both. Our account activity shows the new amount of {$28.00} with all previous transactions being a negative and included in the payoff amount of {$990.00}. There has been no proof given us to have a new balance in the amount of {$130.00}. Any transactions totals given do not add  up to it and they are pulling transactions from as far back as XXXX. Doesn't make sense to us. We also worked with the transactions to no avail. We don't want to become victims of overpayment. Perhaps we've already overpaid and there could be money due us. Our hard earned and retirement dollars were accepted for payment and no one has been accountable for the totals to add up correctly. As far as we can tell we owe {$28.00} because all prior monthly billings were paid in full. Why should we pay {$130.00} when it's just not adding up with any of our transactions. Elder laws apply to us and we are making every effort to be responsible and accountable for our payments due. We are on a fixed income. We served this country for thirty six years with XXXX XXXX and XXXX XXXX XXXX  as a XXXX  of XXXX XXXX and with other significant XXXX XXXX XXXX. Our integrity and services are a Big Deal. Put life on the line so many times and lucky to be alive. We don't file a complaint unless we see the need for attention to fix the problem, which obviously is lacking. We hope this message will receive the attention it deserves. It also appears to be a fault within the billing system that no one can explain.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NH

Complaint narrative:
Loan was payed in full XX/XX/27 I have not received my Escrow Balance as of XXXX, despite them supposedly sending it. Since I am required to send things certified, they should have sent my escrow refund certified or as a cashiers check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to you due to a big issue that I am going through with Comenity Bank and really need your help. I have been affected enormously in my personal life and have lost a huge opportunity because of this situation. 

I have a XXXX XXXX, recently switched from XXXX XXXX XXXX  and got taken over by Comenity. I was getting mail statements from XXXX XXXX didnt and receive any comenity statement. I was not aware of what was going on with my statements, I was quarantined DUE XXXX and did not receive any NOTIFICATION from none of the companies that I was being switched. 

What I need is to get the late payments reported on XX/XX/2020 and XX/XX/2020 corrected or the entire tradeline removed from my report. 

I didnt know it had switched. Didnt get any notices of late payment insertion, which is a violation under the FCRA. 

Account Info : Account # XXXX Date Opened, XXXX XXXX Account Limit : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NC

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX. I paid off the complete balance in early XXXX with a remaining balance of {$10.00} as advised. After 30 days, Equifax still showed THE HIGH balance. I submitted a dispute on 4 separate occasions. Equifax responded 4 different times and said that it was resolved. There was no change to the report or my score, because of the delay in updating my report ( XXXX and XXXX updated their info ) we were denied credit for a mortgage to build a home. Additionally, because this process of getting an update credit score by Equifax was delayed the seller increased the price by {$500.00}!!! and will keep increasing it every month. I checked Equifax this morning and STILL NO UPDATE!!! WE ARE GOING TO NOT ONLY LOSE OUR DEPOSIT BUT ALSO HAVE INCREASED THE SALES PRICE OF THE LAND. All of this because Equifax refused to do it's job and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: FL

Complaint narrative:
After reviewing my credit report I realized there were numerous inquiries and accounts listed that are not related to any transactions made by me.

Company response to consumer: Closed with explanation