vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 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: WA

Complaint narrative:
I legally changed my name in XX/XX/2018. I updated the Social Security Administration and all my lenders. Both XXXX  and XXXX  updated information in their files. Equifax did not update their information. Because I have a security freeze on file, now I am unable to obtain new loans or increase limits on the existing loans. Equifax refuses to process my requests because the information in their file does not match the reality. 
When trying to resolve the problem directly with Equifax, they asked me to mail in a copy of my social security card. I am not comfortable mailing the card, and I disagree with the Equifax 's assertion that I should take actions with them to resolve the issue. It is the Equifax 's responsibility to update the information based on my update with Social Security Administration and all my lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My bank ( BMO Harris Bank ) charges {$2.00} per month to U.S. Mail a monthly statement. They do not charge for online statements. 
I have monthly direct deposit of Social Security and Retirement checks. Is it legal for a Bank to charge you for monthly statement by mail?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
We received a call from MCM ( XXXX ) at XXXX on XX/XX/2020. The operator asked for a " XXXX XXXX ''. The operator was informed that this matter is a personal matter for this person and they will need to be reached on a personal line and we ask, again, to stop calling This same individual called the day prior XX/XX/2020 and was told the same thing. The operator even notated that she called the day prior and was told the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my 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 2020-03-10 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Global Lending Services LLC
State: GA

Complaint narrative:
I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
i talk to XXXX from Southern Credit Recovery , INC on XX/XX/2020 about the settling the debt and i paid it with a money order and she never reach out to all the bureaus to delete it from my records, it has been delete it from XXXX  but not the rest of them and i have a letter showing i made contact with her

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They put 7 day hold on pay check. I have deposited check before with no problem now a hold its like they can do what ever they want with your money and you cant do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and THE BUREAUS partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WAS NEVER LATE ON MY ACCOUNTS LISTED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NE

Complaint narrative:
I had initiated money transfer from my XXXX XXXX account to my XXXX NRE account on XX/XX/XXXX and I used Western Union Money Transfer for this transaction. After I completed the transaction, I received email from Western Union which confirmed that the money will be available on XX/XX/XXXX in my XXXX bank account. When it was not credited on XX/XX/XXXX, I contacted the customer care on Western Union and they said that the transfer was completed from their end and I should check with XXXX XXXX  in XXXX. On contacting XXXX XXXX, they said that they have not received the money and hence not completed the transaction. I again called back western Union and this time they asked me to wait until XX/XX/XXXX as XX/XX/XXXX was weekend in XXXX. Even on XX/XX/XXXX, money did not get credited. On XX/XX/XXXX, they have withdrawn money from my XXXX XXXX account and yet it has not been credited into my XXXX bank  account. I contacted the western Union customer care today ( XX/XX/XXXX ) and they said that they are escalating it with some concerned team and I will get resolution in 14 days. This was an urgent money that I needed in my XXXX bank account to help my dad pay for a loan installment. I can't 14 days and need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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:
I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group
State: NJ

Complaint narrative:
This company, Global Recovery Group or GRG, has called BOTH my sisters in New York and Oregon looking for me and telling them they are serving papers to me for a debt I owe and that they have a pending lawsuit against me. They are even calling my sister at her job, even though she has REPEATEDLY asked them to stop. I do not know who these people are and I am horrified that they are harassing my family. Please make them stop. This is very upsetting and could cost my sister her job. I have received nothing in writing from these people and do not know what they want. If this was a legitimate debt, why arent they sending me a letter validating the debt?

Company response to consumer: Untimely response
Consumer complaint received 2020-03-10 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX  partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I used my XXXX XXXX debit card as a credit card over the weekend. There were several small charges made that equaled to approximately {$35.00}. The charges went through at the establishments. My bank, Bank of America allowed these charges to go through. I transferred money in and out of the account over the weekend online. In between the transfers, Bank of America charged my account ( 3 ) Three overdraft fees for {$35.00} each for a total of {$100.00}. Money was available to cover but the overdraft charges were a domino affect that caused the second and third to happen. All of these charges were not available until Tuesday from the weekend. There were enough funds to cover the charges. I have called the bank and they refuse to refund these charges. If there were not enough funds in the account, the bank should have decline the card charges. Banks should decline charges instead of charging overdraft fees. Bank of America should have continuous processes over the weekend instead of conducting business like it was 1990. Money can be made available over the weekend just like it can be during the week.

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 2020-03-10 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: First Financial Resources, Inc.
State: NH

Complaint narrative:
i am not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: NJ

Complaint narrative:
JD Byrider/CNAC willfully misleads the consumer by having them sign for two loans, one is a clandestine deferred payment loan thats never disclosed. This is done so that customers, like me, who would not qualify for high financing, now qualify and JD Byrider/CNAC can sell their older high mileage cars. People who have no idea what a deferred down payment is or that JD Byrider/CNAC is pulling a fast one with the mysterious fees that they say have to be paid before the customer even begins to pay the actual loan. The customer, me, in turn, just as with the housing industry several years ago, inevitably eventually defaults on the loan and the vehicle gets repossessed or they do a voluntary repossession like I did. JD Byrider/CNAC then resells the vehicle, but also still collects the balance on the repossessed vehicles and the cycle continues with another unsuspecting customer. 
My contract page shows that I, the customer, made a larger down payment than I actually made but this is something an untrained eye does not notice, especially when presented with lots of numbers that make no sense. I put down {$12.00} for the vehicle but it shows that I put down {$1000.00} cash which is false. I also affirm that there was Never any mention of a deferred down payment or of this second loan for {$1000.00}, that I was forced to repay bi-weekly for two months at a rate of {$250.00} per paycheck before my payments even began. When I asked what the {$250.00} payments were for I was told Fees and when I asked why they couldnt be included in the principal I was told that they have to be paid first. On my documents that I have been reviewing, it is stated to label the loan for the deferred down payments as a promissory note and only to refer to it as such. This is deceptive practices and illegal and this should nullify my contract which was entered into under false pretenses. Nowhere in my buyers statement of understanding does it mention the deferred down payment or the pretense under which I evidently signed for it. 
I now understand how that unfair, deceptive and fraudulent business practices led to my losing my vehicle and the constant stress of being unable to pay a bill I couldnt afford. It is my contention that JD Byrider/CNAC willfully and intentionally sets their customers up to default on loans so they can continue to resell old, over mileage vehicles and these illegal business practices must stop. Please stop these criminals!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore loan management - my new loan servicer-is not following their own written policy with release of insurance proceeds. Rushmore has been in receipt of completed loss draft documents since XX/XX/2020. My prior servicer was set to disburse remaining insurance funds ( paid out of pocket ) the day my loan was transferred to Rushmore. Rushmore has been giving me the complete run around as to why they have not released my funds. I call every day to get status update and everyday is a new person and different story. Our supposed file manager XXXX has never once returned any messages. Rushmore has failed to honor my prior servicing agreements and disburse money being held. I had my HUD counlseor call last week to arrange a phone meeting to request information pertaining to their arbitrary and time stalling tactics. They stated on XX/XX/XXXX that my file had to be sent to the " special investor '' so they could. review my claim. They stated on XX/XX/XXXX that this special investor had up to 30 days to review documents. Nowhere is my original loan documents does it state anything about a special investor or special amounts of time, never mind my prior servicer marked as completed. I gave authorization for my HUD counselor speak to Rushmore regarding the stalling of disbursements and unfair tactics they are using and to request a meeting. It was scheduled for today XX/XX/XXXX at XXXX. On Friday XX/XX/XXXX my HUD Rep called to confirm todays meeting about disbursement and lo and behold they had no notes of meeting that was set up by HUD. On XX/XX/XXXX, my file claim status was updated and noted APROVED and FINAL DISBURSMENT however I was told today that the status was merely an approval that in fact my claim is correct and payment is due to me but that I should call back next week to see if check was mailed out.They are now stating it takes 10 days for disbursement. First it was 5 then 7-14 then 30 days now back to an additional 5. They are going round and round lying. On XX/XX/XXXX I sent in a prepaid XXXX XXXX envelope as I was told back then they would disburse my check upon receiving documentation. Rushmore is not following the set protocols outlined in the loss draft claim packet or their website. They continue causing me to endure extreme financial and emotional distress by these intentional delays. I am unable to pay my mortgage until they disburse my funds but yet they are sending me loss mitigation packages and applying late fees. Rushmore has caused my daughter to lose her spot at her college in fall due to this intentional delays and not releasing my funds. They are directly responsible for my daughter not being able to attend school in the fall. Rushmore is directly responsible for my mortgage being late. Rushmore is directly  responsible for ALL OF MY LATE BILLS, They have also lied to a HUD counselor multiple times.

Company response to consumer: Closed with explanation