vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan is currently serviced by XXXX XXXX. On or about XX/XX/XXXX, Rushmore received {$100000.00} from Keep Your Home California. The proceeded to misapply the funds, which has trapped me back into foreclosure. There is a foreclosure sale date set for XX/XX/XXXX. Listed below are my primary concerns. 

1. The statement on XX/XX/XXXX shows a suspense balance of - {$53000.00}. I am assuming this is the surplus money from the XXXX payment from Keep Your Home California aka KYHC. Why did KYHC issue a check for such a large amount when account was around 48K past due? Did Rushmore make that demand? If so, that constitutes fraud on their part. KYHC is due to run dry of funds before the end of this yeartwo years before the designated end date of XX/XX/XXXX. The fraud links directly to a government entity, which means that False Claims Act Qui Tam applies. I SIGNED A DEED OF TRUST FOR XXXX, SO ULTIMATELY I WAS RIPPED OFF BY RUSHMORE.AGAIN! 

2. Why is there a deferred principal balance of {$87000.00} listed on the payoff? 


3. KYHC was applied a large part of the XXXX towards principal. KYHC is a program designed to assist unemployed home owners catch up and make regular monthly mortgage payments.not pay down principal.again The False Claims Act applies. 

4. The loan never should have never been modified on XX/XX/XXXX,  since it was current from the funds KYHC paid.THIS MAKES ABSOLUTELY NO SENSE! The only reason is was modified, was so that Rushmore could hide the excess money paid and reset the clock. They did not want the dirty accounting from the original loan lingering around.especially if they tried to sell the loan via portfolio to a new investor on XXXX XXXX. 

5. The corporate advance fees listed below have extensive foreclosure fees, attorney fees and litigation fees that need to be accounted for. They need to show invoices from the alleged law firms that were paid.which they likely will not have. 

Breakdown of the corporate advance balances paid : {$200.00} FPIR ( FC PROP INPSPEC ) {$3300.00} FCST ( FORECLOSURE COSTS ) {$2600.00} FFEE ( FORECLOSURE FEES ) {$14000.00} LFEE ( LITIGATION FEES ) {$47.00} BCTC ( BK COURT COSTS ) {$36.00} BCST ( BK COSTS ) {$800.00} BATT ( BK ATTNY FEES )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: ID

Complaint narrative:
Accounts XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX  to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I purchased a new XXXX with financing through XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. ). Unfortunately, Im unable to interact with Chase as they have incorrect information on file and are unable to verify my identity. They do not recognize any of the information I provided on the loan application, nor the information on the bill THEY sent me. Ive made multiple phone calls and have asked to speak with a manager multiple times ; however, after spending 1-2 hours on hold never reached anyone willing to assist me. All Im looking for is the ability to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I originally opened this Wells Fargo consumer checking account XX/XX/XXXX to XX/XX/2018 and was to receive {$200.00} bonus with 3 direct deposits of {$500.00} or more. While completing the requirements XX/XX/XXXX and XX/XX/2018 I was never paid my bonus. I insured that i waited well over 120 days after to contact about receiving payment. Each time I contacted customer service ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018  ) I was told i indeed did meet the terms and no one could figure out why I never received the bonus. Each time I was promised repeatedly that this would get taken care of. Please feel free to pull the recorded calls to verify this and check notes in the account. Finally after submitting a research claim and escalating the issue I was told that i did not qualify because i did not receive the payments over three consecutive months only two. The way I understood the promotion was that I only needed to receive 3 direct deposits of {$500.00} or more which is exactly what I did. I am paid bi weekly so I received payments on XX/XX/XXXX and XX/XX/2018.  To make matters worse my account was sold to XXXX XXXX like all accounts in the State of Ohio and it still hasnt been taken care of even though I was promised it would be before the account sold. Wells Fargo is a joke and its a wonder they are still allowed to stay in business after opening false accounts, making people lose homes because of a computer mistake and now not paying a bonus when promised. I can only imagine how many other people have incurred the same issue with no result just a sorry tough luck. I am not going to take that answer I did my part now I expect you to hold up to your part.

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 2018-12-05 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: AZ

Complaint narrative:
there is no sufficient information to support Equifax, XXXX  and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In order to submit my application for a lease, the landlord required I use TransUnion XXXX platform to enable the landlord and her property managers to review my credit and background check. When signing up with TransUnion XXXX on XX/XX/17 I had to pay a small fee of {$1.00}. Without realizing, upon payment of the fee I was then automatically enrolled into a monthly subscription for an unrelated credit reporting product. It was not made plain to me that this {$1.00} fee was merely a placeholder for the subsequent {$19.00} to be paid XX/XX/17. After my confirmation e-mail regarding my successful set-up of my TransUnion XXXX account, I received an additional e-mail from TransUnion with no reference to the " XXXX '' application/account. I assumed this e-mail was spam, advertising TransUnion 's additional products since it did not include any reference to " XXXX '' and because it arrived in my inbox so quickly after the initial confirmation e-mail. TransUnion XXXX should be marketed as simply TransUnion credit reporting so that consumers can clearly understand what they are signing up for when merely trying to complete an application and have the necessary parties review their credit history. It should be made clear that when you are signing up to share your credit report with a landlord or property manager that you are not also being automatically enrolled in an expensive subscription service for products that should otherwise be free ( access to credit score is available for free on other platforms ). Notably, there is no mention of this subscription on TransUnion XXXX 's FAQ page : XXXX XXXX XXXX This is my fault but as my e-mail filtered out Transunion 's e-mails as spam and because I did not carefully review my credit card statement, I did not realize I was being billed for a product I did not want for over 18 months. I am still working on trying to cancel my account with TransUnion. It is not straightforward to do so online so I will likely call tomorrow to finalize my account closure.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: AL

Complaint narrative:
I have supress and frozen my report with this company 2 times and had old information remove which is still showing up in there data base after they have sent me a file that clearly states that they went in my favor and delete all inaccurate information I have ask Lexisnexis to send me proof of verification which never have been giving to me they just send incorrect information through a machine that is not correct at all they never had a conversation with a human to verify this wrong information on me please help me get this put behind me with XXXX  and XXXX inside is information they have told me to sent to get this bankruptcy remove thats not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: ERC
State: TN

Complaint narrative:
I have a collection placed on my credit report with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX. 

I have never opened an account with this corporation and they have failed to provide me with a valid proof of debt. 
This negative information was placed on my credit report on XX/XX/2018 for the amount of { {$2100.00} }. 

I initially contacted them on XX/XX/18 requesting validation of said debt as well as provide the credit bureaus with my notice of dispute. I received random unsubstantiated unoriginal ( photocopied ) material and no acknowledgement to the credit bureaus of my legal right to dispute within 30 days notice. 

On XX/XX/18 I sent an additional time stamped, dated letter requesting additional information to which the lines of communication went completely mute and still no legally enforced notification to the credit bureaus of my dispute. 

I have been hindered in opening credit lines and purchasing a home for my family because of this negative information on my credit report. I am including tracking numbers as well as timed stamped certified letters with signatures that proves XXXX XXXX XXXX has received my disputes via USPS the dispute letters were received on. I also have dated credit reports that show my lawfully protected right to dispute under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) have willfully not been followed by this company as well as several other violations. 

It has been more than 30 days and they have failed to respond legally. I am demanding this account be removed immediately due to lack of validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit Services Inc called me stating I owed XXXX  {$34.00} dollars. They nevetr mailed me no letter or anything pertaining to the debt. I also have attach 4 US Certified letters to XXXX and proof since XX/XX/2018 XXXX, XXXX, XXXX, XXXX to the balance. I also filed a complaint with the Consumer financial protection bureau on several times which was forward to XXXX XXXX as well. XXXX was called and every time I was told some one would return a call in which they never did. There was several letters sent with no response from XXXX  to the balance or settling the debt.It was never but the run around with XXXX. 
Sunrise also told me on the phone that they did not have my address to mail a letter. If the account was sent over from XXXX they had the account number as well as the address and XXXX received letters about the debt as well on each letter the full address so there was no excuse for such a lie by Sunrise Credit Service

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 2018-12-05 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: Innovis
State: NV

Complaint narrative:
Innovis is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is showing XXXX XXXX XXXX  with charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. This account also pass the statute of limitation and should no balance.

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 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: NV

Complaint narrative:
Equifax removed XXXX XXXX XXXX XXXX from my credit report because they were reporting the account inaccurate, I called them and they confirm it was removed but now I order a new copy of my credit report and that account is back. Please remove this account XXXX XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: MI

Complaint narrative:
I sent documents to have the fraud alerts removed. Experian has ignored this. Its difficult to get customers service. Experians questions to verify identity are not relevant to me and incorrect.

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 2018-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/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 non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX TransUnion

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 2018-12-05 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/XXXX  XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/XXXX  XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
According to the law section 809 of the FDCPA, CONVERGENT XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.

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 2018-12-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting opened date and payment history in this account XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion is reporting opened date and payment history in this account XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation