vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I was affected by hurricane Matthew, Irma, and Michael. While with the previous servicer XXXX during hurricane Irma I was  placed on a disaster forbearance and protection. After the disaster I was in review for a loan modification and I was service transferred to Rushmore loans. On XXXX XXXX I submitted a loan modification application to Rushmore loans.  We were then affected by Hurricane Michael and FEMA declared on XX/XX/2018. This disrupted my request for mortgage assistance. On XX/XX/2018 I sent a new application and at that time there was no foreclosure sale date. During the hurricane recovery I was dealing with health issues as I am a XXXX XXXX XXXX XXXXXXXX XXXX veteran who did 2 XXXX in XXXX and sustained XXXX XXXX XXXX. 

By the time I was able to call back on XX/XX/18 Rushmore loans told me they were not going to review me due to the foreclosure sale date being set for XX/XX/18. 

I disagree for two reasons : First I should be on a hurricane relief status and have foreclosure protection for 90 days from the date of the disaster. Second there should be an exception for them to review what I sent since I was affected by the hurricane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am making a final goodwill attempt to have Equifax and XXXX to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy. 

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX promptly deleted it. 

FCRA Section 611 ( a ) ( 2 ) requires XXXX Equifax and XXXX XXXX ( which attached document shows XXXX XXXX attempted to dispute this with XXXX  and Equifax ) to  ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX Equifax and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have made payment every month well over my minimum payment. I have Never missed a payment and I have never been late. I always make the payment on or around the same day every month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made my last payment on XX/XX/XXXX. Less than XXXX weeks later on the XXXX ( unknown to me ) American Express requests another payment. By the time I realized they were requesting a payment sooner than a month it was XX/XX/19 I was notified I was XXXX days late and my card was on hold. I was confused why I was XXXX days late on XX/XX/19 when I had made a payment beyond my minimum on XX/XX/19 exactly a month earlier. I called their customer service several times and messaged them on XXXX but I was never able to get an explanation why I would be considered late on the XXXX if I paid XXXX weeks earlier. To this date still no explanation. Seems like they are unfairly asking me to pay sooner than I pay every month. Again I pay the same day every month and I always pay well beyond the minimum payment. Please help this cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have account under business was opened sinceXX/XX/2016 but the bank closed and ate the fund and I am surprised when I called the bank today. I never got any letter about the account being closed and how the fund is being return. It is so scary

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 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My loan was placed in deferment in XX/XX/XXXX, and will come out of deferment XX/XX/XXXX. Today is XX/XX/XXXX, and Wells Fargo has been calling me ( I have not answered ) and my dad, the co signer, harassing us about the loan. It's not due. My account says I currently owe {$0.00}. This has been going on my entire time of having this loan with them, since XXXX, and I am tired of it. I was in school from XXXX until now. In the past I have spoken to them about the harassment and today I sent them another message to stop calling unless the loan is actually due.

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 2018-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is improperly keeping old accounts in my file after that were lawfully required to remove them by falsifying the records and changing some of the information in order to retain the records for an indefinite period of time. Equifax has knowingly and interntionally refuse to remove/purge the negative/derogatory accounts in my file after seven years as required by law. They have done this by knowingly and fraudulently altering both the status and the Status and/or Payment History on the account. They have done this in order to prolong the account in my file. I have file numerous challenges to their incorrect information and have contacted them by telephone. Also, I have attempted to dispute the information many times. Equifax makes it impossible to rectify the problem. The US Government needs to shut these criminals down and ban them from keeping records of United States Citizens and they should not be allowed to operate in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My mortgage initiated with XXXX XXXX XXXX than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXXXXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XXXX XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or Experian are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition Experian also conducted another investigation on my credit report which was resolved by XXXX  and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and Experian refused to remove.

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 2018-11-20 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: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
My mortgage initiated with XXXX  XXXX XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account was with XXXX XXXX XXXX in XX/XX/XXXX, no further payments was made on the mortgage account. No payments from XX/XX/XXXX-present date. Seven years for the delinquent status on the mortgage account would have matured in XX/XX/XXXX. XXXX XXXX XXXX or XXXX  are been fraudulent reporting information and or investigations because the information has been removed from both XXXX  and XXXX XXXX. In addition XXXX also conducted another investigation on my credit report which was resolved by XXXX and XXXX XXXX by removing from my credit report because the creditors ( XXXX XXXX XXXX ) said that it was an error reported on there behalf and XXXX refused to remove.

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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am making a final goodwill attempt to have XXXX and TransUnion to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX  promptly deleted it.

FCRA Section 611 ( a ) ( 2 ) requires Transunion, XXXX  and XXXX XXXX ( which attached document shows XXXX   XXXX attempted to dispute this with Transunion and XXXX ) to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

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 2018-11-20 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: TX

Complaint narrative:
I lived in an XXXX XXXX XXXX XXXX  Apartment for 3 years. All 36 rental payments were submitted on time. After I moved out they submitted a disputed amount, without contacting me at my then-current address, to a collection agency. The matter has been resolved with the agency - which never reported the account to any credit bureau/agency and which processed this payment before a bill was mailed - however XXXX ( Corporate Address : XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  ) did not remove the disputed information from my Trans Union credit report. Instead they changed the status to Account paid in full ; was a Collection. The account should be reflected as closed onXX/XX/2018, the date closed is XX/XX/2018, instead it reflects an " Open Account '' status and a collection in XX/XX/2018. This one report from XXXX XXXX  has taken my credit score from XXXX ( high ) to XXXX ( current ) in less than 60 days. If my credit had not already been exceptional, this would be a devastating and highly punitive action. I hope that the reason that XXXX is not removing this information is not due to my complaints about toxic mold and a large hole in the ceiling during my move out inspection. I have now contacted attorneys about their failure to return my deposit, despite extensive pre-existing damage to the apartment.

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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: UT

Complaint narrative:
I left with family from XXXX to XXXX on an Emergency XX/XX/2018 regarding my mother who soon passed XX/XX/2018 I had returned. in that time I thought I left my wallet and phone in my vehicle but it was not there, I called keybank XX/XX/2018 to put my card on hold for suspicious transactions and told me to call again XX/XX/2018 which I did twice now keybank says I have to fill out a police report but no burglary was committed to my vehicle and bring a form of i.d . which got stolen. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC
State: TN

Complaint narrative:
I was Approved for a mortgage by Finance of America Mortgage at 5.125 % went through enormous amounts of paperwork for underwriting to complete loan process only to have lender to come back over and over again with requests of paperwork.. Changed closing costs several times told me I had two choices on what to pay depending on if I get a letter from my lawyer will determine what my closing costs will be and my interest rate will be ( raised my interest rate ). My loan is approved with conditions that what I signed was not a contract and closing is on XX/XX/XXXX and now its impossible to close because I dont have my XX/XX/XXXX taxes that I filed which I didnt file because I did not work. He argued that I have to have a letter from someone stating I didnt have to file taxes in XX/XX/XXXX I receive XXXX and Alimony he already aware of this. I signed a form 3 weeks ago pertaining to the taxes so why this is coming up now before closing I dont know? My realtor and several other people cant make sense out of what hes doing ..in the meantime Im going to lose the house of my dreams. He never mentioned closing costs from the beginning of this process in the amount of {$8700.00}. I was told I had to pay {$3100.00}. If I argue with him the interest rate will go up or he makes it hard on me. Hes played the Bait and Switch tactic the entire time of the loan process. I was believed I would be paying the interest rate on the contract I signed he lied and twisted this entire loan process around to his advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
As a past small business J. P. Morgan Chase Bank customer, I recently received a XXXX check which likely cost other bank customers at least {$50.00} in administrative handling. J.P. Morgan Chase Bank need not be accountable for this bizarre in wasteful behavior. As a business customer J.P. Morgan Chase Bank would regularly place a hold on monthly deposited check so to predatorily collect over the years ( e.g., XX/XX/XXXX to XX/XX/XXXX ) hundreds of dollars deducted expectantly. This is now expected classic behaviors of JP Morgan famous parasite on the commerce of Science & Technologies ( e.g., XXXX XXXX ), and the middle class in the poor ( e.g., USA DOJ XXXX XXXX slap on the wrist exposing their predatory subprime lending practices of unloading high interest mortgage backed securities ) for their share of USA tax payers {$780.00} Toxic Asset Relief Program Bail out! '' With the way JP Morgan Bank handles money of the USA tax payers there a joining public consensus hot to trust them with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
Hello! 

Re : Lender XXXX XXXX formerly XXXX XXXX Loan # XXXX I am writing you this letter of complaint in respond to the recent letter received from OCWEN under CFPB Case # : XXXX. 

After a careful review of the said letter, I realized that the bank that I should need to question should be XXXX XXXX. 

The moment I read the copy of the Fixed/Adjustable Rate Notice, I/we ( my husband ) were in total shocked! 

I recall XXXX calling us all the time and later convinced us to sign up for a great fixed second mortgage loan in which we later on decided to it with payments of at least {$600.00} or so each month. 

However, it was only agreed based on a fixed rate, not adjustable or it will not be entertained - for both 1st and 2nd mortgage. There was no way for any lenders to convince us on switching our fixed rate into adjustable, period! Otherwise, we believe the letter is not true! 

Also, Id like to know the previous name of the lender with the loan # before XXXX took over as I believe that our original interest rate was roughly 4.5-4.99 % fixed for 30 years ( home mortgage loan ). 

We acknowledge the signatures, but we have not seen this letter nor would have signed/approved for it! 

Again, we purchased our house at {$210000.00} in the year of XXXX. 

The letter from XXXX Bank was dated back in XX/XX/XXXX. Therefore, we would like to request them to send us all copies on how they came up with the {$340000.00} from the original/initial purchase at {$210000.00}, that is a difference of {$120000.00} plus the second mortgage loan of at least $ 60K or so? 

So my questions is, where did the money go? We didnt we see any money that was issued or deposited to our bank for over $ 100k? I need to see a deposit amounting the difference, copies of the checks and what bank it was deposited to? So we would like to know how they have acquired the amount of {$340000.00}, plus the second mortgage? That is a lot of money for us to borrow and why would we need that in the first place? 

Now, we need to see all the breakdown and calculations for both 1st and second mortgage, including : 1. 1st and 2nd mortgage payment LEDGERS, 2. Bank name we use to pay the 1st and 2nd mortgage so we can check them against our our bank for facts and proof. 
3. Copies of all loaned money showing the check # and which back it was cleared under? 
4. Full detail explaining on how the total from@XXXX went up to {$340000.00} in addition to the 2nd loan mortgage??? 
5. And all other facts proof of all the entire calculations from day one since you took over! 

Sincerely, 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 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Over the past several months I have submitted requests via certified mail requesting proof of validation or removal of several accounts noted on my credit report. The responses I keep receiving are updated credit reports that simply state, Verified As Accurate, without proof of validation for the following accountsXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX and 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