vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXXXXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney XXXX, XXXX & XXXX with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: WY

Complaint narrative:
This is the third time that this same sleazy claim for taxes to XXXX has been made, and the claim is invalid as I was NOT a resident of XXXX for the year the claim is made having retired and moved to XXXX. By the way, XXXX does NOT have income tax and the XXXX claim is for income paid to me in XXXX and NOT XXXXXXXX This claim for taxes underscores XXXX XXXX desperation to prop up their failing state government. This is may be the first time that BC Services has made a debt collection for taxes not owed from me but they are chasing " ghost debts '' attempting to shake down money from those who do not owe that money. They should be publicly shamed and I will take legal action if they do NOT drop their effort immediately. That action in XXXX requires they come to the XXXX  Court and pay a filing fee, and they will be subjected to paying any and all legal fees involved including treble damages for actual debt claimed. BC Services is NOT listed as a XXXX company and has not listed a XXXX representative where a summons can be filed compelling their attendance for legal action. I do NOT owe {$170.00} to XXXX and this was discharged by two previous debt collection attempts. This is nothing less than a criminal shake down for a debt NOT owed.

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 2021-12-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/21 my bank contacted me about possible fraudulent activity on my prepaid XXXX debit card. I immediately same day called them and they told me {$280.00} was the amount and would issue a temporary credit of that amount ( which they did ). However, after hanging up I checked into my account and noticed there were hundreds of fraud amounts they did not account for. Actually over {$1000.00} more. I called back on XX/XX/21 and spoke to a few different people with Supervisor named XXXX being the last one. She advised me that I was correct and they would be issuing that amount to me within 90 days which I thought was abnormally long as why they were able to credit my account the first time within 3 day or so. I waited and just called again on XX/XX/21 and spoke to XXXX and was told they were still investigating and they still had until XX/XX/XXXX to complete. I just called again today XX/XX/21 just to check the status and now am being told it hasn't even been entered and that they have 90 days from THAT time which they couldn't even tell me when that " start '' date would happen! I need some kind of clarification as to WHEN I can expect my money. This was money I was needing to live off of while being XXXX. I tried to not even use that card for a few months but have now been needing to. I have used up most other resources and would really like this to have some kind of resolution not just a wait and wait until they get to it??

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 2021-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Guidiville Indian Rancheria
State: PA

Complaint narrative:
I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXXXXXX about a loan from a firm called Multi Source for {$100.00} in 2016. I have no knowledge of such loan and all debts owed were paid in full in our XXXX XXXX bankruptcy. 
I asked the representative, who stated that her name wsas XXXX, for additional information and clarification at which point she began screamingthat I had all of the information and that I should tell it to the judge and then hung up on me. I called back to find out more information and was hung up on again. 
Plainly and simply put, we have no outstanding debts and I have never dealt with this company Multi-Source. I have never recieved any documentation concerning this account nor have I recived any documentation from XXXX XXXX XXXX XXXXXXXX. 
This repeated tactic is apalling and horrible. I have no information about this and I am being harassed about something that I have bo information about from either party. In addition, the tactics and abusive behavior of the collectors is unacceptable. If this is true, why is there no documentation. 
Your assitane in this matter would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-08 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: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I took out a loan with PenFed in XXXX of this year. There was a check cut and issued to me, I received it in XXXX and attempted to deposit it to my bank, but there was a problem doing so. I contacted PenFed and told them the check wasn't working. They agreed to cut me another check and sent it out. 

What they didn't do, I have now been told by their own personnel, was cancel the previous check. As a result, my loan was still dated as starting in XXXX. Before I even had received a working check, I got a call from them telling me I had missed a payment on this loan. I explained what happened to the person on the phone, who told me to not worry about it and everything was fine, I didn't owe a payment at this time. 

Fast forward to when I finally receive a working check in XXXX and deposit it, I now get a call from PenFed claiming I've missed TWO payments on the loan, and my credit reports now showed two late payments as well. I asked why this was the case when I didn't even receive a check to deposit until a couple of days prior. My loan shouldn't have started until that point. I was told by the person on the phone that their personnel who I had reported the bad check to had failed to cancel the previous check, so my loan was still dated in XXXX, and I owed the payments stated, and there was nothing they could do since I already deposited the check ( otherwise I likely would have simply canceled the loan ). 

I paid the account up to current, and they told me to file a report with the credit bureaus to fix my credit score. I did so, and XXXX came back to me telling me that PenFed had reported the late account and missed payments as accurate, when that is absolutely not what we discussed on the phone. I called them back and they told me to submit my credit reports to their credit repair department, which I did, but it has resulted in no change. They informed me I would receive an email once they've reviewed my documents, and I also have not received that yet. 

After a bunch of fighting, XXXX finally removed the late payments, but none of the following payments show as on-time, even though I have consistently made every payment on-time since I received the check in XXXX. XXXX, after 3 disputes, is still showing the late payments as accurate. 

I was trying to buy a house within the next year, but now I can't because my credit is destroyed. I've lost 100 points off my score because of this company 's negligence and poor handling, and they've refused to do anything to help me make it better. 

I have reported the lender to the XXXX XXXX XXXX as well, but they have yet to respond to their inquiry.

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: PA

Complaint narrative:
So I have had to change my address 6 times so far with KeyBank, they keep alternating between two previous addresses. I notice usually when I try to enter my zip online to order something. They keep denying it but It keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX bank just informed me that cash app resent my {$200.00} to a closed account with XXXX at XXXX PM on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with XXXX and I updated my new bank account information on XX/XX/2021. I am not understanding why you all will not allow XXXX to resend the {$200.00} back to my cash app account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via cash app. It should not take several days to reimburse money from a closed account back to cash app. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
A check in the amount of {$63.00} was processed through my bank checking account on XXXX XX/XX/2021 to Avant Credit Card Services, but is not being reflected in the XXXX  credit card balance today, XXXX XX/XX/2021. The customer service representative ( s ) said that they have no record of the payment or the check being received but the check has been debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC
State: NY

Complaint narrative:
This company, as identified by Caller ID, has been calling frequently. We answer the phone politely, yet no one speaks to us ; neither human nor automated voice, no matter what we say. After a few moments, the caller hangs up. Since they will not identify themselves, nor respond to anything we say ; will not say who they're trying to reach ( there are several adults living in this household ), nor what they want - I refuse to contact them directly, and feel that this should be reported. I am tired of the harrassment of frequent phone calls for absolutely no purpose. If not for Caller ID ( and having looked them up on the Internet ), I wouldn't even know this was a collection agency. The calls all appear from " Audit Systems '', XXXX. These are the most recent XXXX calls I've recorded information on -- XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XX/XX/XXXX : XXXX pm, XXXX pm. XX/XX/XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm, XXXX pm. XXXX : XXXX pm, XXXX pm. XXXX : XXXX am, XXXX pm. XXXX : XXXX am, XXXX am

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pluese, Becker & Saltzman, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment. 
XXXX XXXX XXXX XXXX for XXXX XXXX is the substitute Plaintiff on this Foreclosure with wrong figures from the beginning. It was started wrongly by XXXX XXXX XXXX and attorney Pluese, Becker & Saltzman with a negative escrow balance In breach of the modification contract. They were told by us many times that there was an error but they refused to listen. We now have the proof and its in front of the court on n a Motion to Vacate FJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MI

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXX XXXX ; Highest Balance {$10000.00} XXXX ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MI

Complaint narrative:
XXXX XXXX XXXX  XXXX ; Highest Balance {$10000.00} XXXX XXXXXXXX XXXX  ; Highest Balance {$10000.00} XXXX  ; Balance {$0.00} These accounts are not my accounts. They are reporting late and Ive never even opened these accounts nor do I know where they come from. I dont own a bank account to revive a loan. This is fraudulent!

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 2021-12-08 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:
Im really disappointed! I pulled my credit report ant I see no changes! I sent you complaints before that I have no idea where these accounts came from! Im sure that someone hacked my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
My house sustained flood damage as a result of XXXX XXXX. I received an insurance check in the amount of XXXX. The check issued was a XXXX party check made out to myself and my insurance company. I called my mortgage company 's Loss Draft department and was told to send them the check as well as a copy of the damage report. I did so and XXXX 'ed both on XX/XX/2021. They state that they mailed out the endorsed check to me on XX/XX/2021 and I never received it. I contacted them asking for a tracking number and this multi-million dollar company told me they just slapped a stamp on the sucker and hoped for the best. No tracking, no confirmation it was even sent, nothing. I asked how they could do that and the rude woman on the phone told me they'd do that even if it was a XXXX check and said if i wanted better I should have pre-paid for a XXXX label. This option was NEVER given to me. If it was, I would have taken it in a heartbeat. Instead, I am being forced to go back to the insurance company, request a new check, draft a letter stating I never got the the check, mail it all to them again and hope that history doesn't repeat itself. I asked to speak to a supervisor but was instead transfered to a voicemail box. I never received a response. I emailed twice, no response. I love how a mortgage company could lose your payment check with no repercussions, but if they lost mine I would be hit with late fees and interest from day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX the federal government issued EIP3 payments through direct deposit, I recieved both my EIP1 and EIP2 payments to my correct checking account- but did not receive my EIP3 payment. 


I immediately filed a payment investigation with the Department of Treasury and the Bureau of Fiscal Services. I engaged both Tax Payer Advocate XXXX **** ( Case # ******* ) and Congresswoman XXXX XXXX via XXXX XXXX XXXX as Wells Fargo Executive Offices were unresponsive in completing the payment investigation with these federal agencies. On XX/XX/XXXX I recieved a response in regard to Congressional Inquiry ******** from Wells Fargo Case Specialist B. " Black '' advising that there was no record of EIP3 payment being deposited into my Wells Fargo Checking account ending in ****. This information was not sufficient for the U.S. Department of Treasury and the Bureau of Fiscal Services as they had confirmed that the payment was not deposited into my account ending in ****, but rather deposited into account **** which is completely unrelated to me.

This balance deposited into an alternate account incorrectly, and the amount needs to be recaptured and sent back to the Department of Treasury or the Bureau of Fiscal Services in order for correct payment to be reissued and sent to me. These federal agencies will not reissue payment to me without Wells Fargo 's cooperation in confirming they were sent and successfully deposited to the account in question and then sending the funds back. 


Due to this mistake I have not had access to {$4200.00} in emergency government funds throughout the pandemic. This issue, unless resolved will also create additional problems in the upcoming tax year.

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/21 there was an unknown and unauthorized charge done to my account with chime bank. I have only a virtual debit card no actual physical card. I reached out to chime and they said they were unable to do anything since it was a pending transaction. On XX/XX/21 the transaction posted I then again reached out to them and they filed a dispute and stated that someone would reach out to me on XX/XX/21. On XX/XX/21 no one reached out so I called them and they said I needed to resubmit my paperwork which no one ever told me they never received and they assured me that they would issue a provisional credit for the charges. They are unable to provide me any details about the company that charged my account for {$100.00}. I asked them for a name and a number for that company and said they dont have any information. I resubmitted my paperwork and XXXX who refused to give me an employee number or anything to identify him said he would issue a credit and that never happened. I then called again and spoke to a floor supervisor XXXX who told me Im ineligible for the credit. I asked to be provided the contact information for someone higher up like their ceo or board of people and they refused. I have tried to resolve this matter and now they are saying they will have a resolution by XXXX XXXX which is XXXX months. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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