vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX Spoke to Rushmore Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to Rushmore in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; Rushmore countinues to submit Pay Off Statement showing I missed " XXXX XXXX '' pymt ; I did not ; When I messaged Rushmore on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not.

Rushmore has reported to XXXX that I missed XXXX XXXX mortgage, I did not. The proof is attached and was also given to Rushmore on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called DRS or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. I got a response from DRS with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Please refer my earlier complaint against Wells Fargo XXXX. I would like to close my account. There is no chat or secure email option provided by Wells Fargo. When i called on the phone # - there is too long of wait time. 
Please close my account. I have already transferred my balance from there.

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 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is offered me a 90 day payoff option which I did. They sent me a letter letting me know the 90 day payoff was complete. They offered me to use XXXX dollars which I only used XXXX which i paid off. So that leaves XXXX to use which I dont want to use. Experian added this as debt that I owe. And have attached that amount to my debt. I explained this and gave them proof to no avail.

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 2021-08-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name keep getting changed with Experian my name should be hyphenated but instead of hyphenated they put space, or either of my two hyphenated last name. I have tried several different things and sent id. This is third report!! 

Documents is their twice lowering my score.? unless Experian.com is fake..hacked somehow someone took over XXXX XXXX  rejection of emails

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 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
My husband and I thought the FHA forbearance program had ended. Being behind on our mortgage due to job losses starting in XX/XX/XXXX, we thought we were just going to have to lose the house. However we learned last month that we could still request forbearance and also get a loan modification. 

On XX/XX/XXXX, I contacted our servicer, PHFA, to ask for forbearance and begin the loan modification program. I was assured by a local housing counseling agency that due to the CARES act, my request would be granted and we could avoid the foreclosure as our request occurred before the moratorium expired. 
I contacted PHFA via email as the phone lines we busy, and I received a response from someone on their home retention department that day. The response said that she had forwarded my request to her supervisor. 

I did not hear anything back from that supervisor until XX/XX/XXXX. 
On XX/XX/XXXX, that employee said that we were not getting the COVID forbearance. She also claimed that our issues started prior to Covid and. Therefore we are ineligible. Admittedly, we experienced a setback in XX/XX/XXXX, but it was recoverable until the job losses in XXXX. She did include a form requesting income information for other foreclosure programs. 
I have been attempting to get that form back to her, but I am struggling to get through to my state unemployment office. Without their help, I am locked out of their online system ( due to an attempted fraudulent claim in my name ) and can not get income verification. I have a ticket number of XXXX and they are currently on ticket XXXX as of this morning. I emailed the supervisor at XXXX to inform her of this on XX/XX/XXXX, but I have not heard back. We also received letters informing us that they have begun foreclosure today. 

We feel that had the supervisor not delayed in responding to us, and not denied our forbearance request ( this occurred prior to the dates on the foreclosure letters ) we could have a chance to save our home. It was also our understanding that if you had income losses due to COVID, you couldnt be denied the forbearance regardless of whether or not you were behind on payments prior to XX/XX/XXXX. I would think that initial unemployment claims in XXXX and XX/XX/XXXX would be obvious proof of that. 
The supervisor also claims we havent responded in 2 years. However we initially reached out in XX/XX/XXXX and also contacted XXXX to apply for a state XXXX in XXXX XXXX. 
All we want is what was supposed to be afforded to us via the CARES Act. Six month forbearance starting from our request date of XX/XX/XXXX and the Covid loan modification. The past 18 months have been extremely difficult for my family. Multiple hospitalizations and other health issues have compounded this. Being able to keep our home would ensure that we can actually recover rather than continue to fall backwards. Any help you can offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have tried to contact capital one but XXXX dont have access to them at all,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 49 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NV

Complaint narrative:
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

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 2021-08-20 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: NV

Complaint narrative:
I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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 have called and submitted a dispute with an agent at XXXX and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance

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 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, EXPERIAN, XXXX, AND XXXX are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ;

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 2021-08-20 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:
ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX 
{$690.00} Balance updated XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA servicer provider for mortgage is XXXX. XXXX automatically enrolled me in a loan modification program. This program was later explained to me as only to lower payment nothing else will change. At that moment I asked for XXXX to send me paperwork. The paperwork that was mailed and arrive some timed in late XXXX. I quickly read the paperwork because my wife and I were XXXX XXXX XXXX XXXX and we had so much going on. I signed and sent the paperwork back to XXXX, after some more careful thought I changed my mind and called XXXX TO CANCEL THE PAPERWORK. They assured me they would cancel it and resume original payment amount. What happened after that was XXXX block my online access and over the phone to make any payment. XXXX I received a called from a Veteran Affair mortgage representative asking if I am ok financially, I stated yes and explained the issue that I have with USAA ( XXXX ), With the VA help we were able to get to the bottom of the issue or so we thought. XXXX stated it was a miss communication and if I made up the payment they would fixed everything. Well during that time I checked my Credit score and XXXX reported me to credit report for being delinquent for the time they blocked me from making payments. XXXX assured me they would fix that, but they never did and now they told USAA CEO office whom I contacted to resolved this at the lowest level. Stated because I made those payments, that I am now stuck with the bad report. Because of the loan modification that i never agreed to. So how XXXX loss all phone transcript and told USAA a lie that even though I canceled the paperwork because I signed it originally that I have to be subjected to the bad report, I asked USAA how is that FAIR practice? So I am filing this complaint so this does not happened to anyone else.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allegiant Capital Recovery LLC
State: VA

Complaint narrative:
I have received multiple calls from this company regarding an alleged debt. I have sent a Cease and Desis letter to the company and have received numerous emails and calls since prior to. I have sent three letters requesting validation to this company and have yet to be provided with the requested information. 

Per the FDCPA 15 USC 1692g ( b ) " Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' One of the requested validation of this debt was to provide the original creditor of this alleged debt. Per 15 U.S. Code 1692a ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. ( This information was not provided to me. 

This is also a direct violation of my The Privacy Act of 1974 This has been a complete inconvenience to me as I am a small business owner and have to continue to stop what I am doing to answer calls, respond to emails and request the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi credit card improperly closed my account on XX/XX/XXXX and will not allow me to reopen it and have rejected my application for a new card. Details below : I recently changed banks and added my new bank account information to my Citi credit card account so I can pay my bills. When adding the new bank account number, I mistyped the account number by one digit ( according to the sales representative from Citi who I spoke with on XX/XX/XXXX ), which led to three consecutive scheduled payments to be rejected within 24 hours one for {$380.00}, {$130.00}, and {$7200.00}. The reason for three scheduled payments is because my husband and I split the bills and I miscalculated the total amount we each owed a few times, leading me to add on additional payment amounts from the same account. 

There was nothing fraudulent or nefarious here, just a sleep-deprived, new mom trying to pay my bills and made a *simple* typo in the account number that anyone could make. As soon as I learned of the typo, I corrected it and made the proper payments. 

The typo and subsequent rejection of payments led to me triggering something in the Citi system to automatically close my account on XX/XX/XXXX. I didnt receive any warning saying e.g., weve noticed issues with your payment, please correct this in order to keep your account open. Citi simply shut down my account. The sales representative I spoke to on XX/XX/XXXX indicated that they were unable to reopen my account and unable to override the system to allow me to open a new account. So, I am now XXXX from Citi for an undefined period of time for the simplest of mistakes. I have never missed a payment with Citi and I have never even run a balance month to month. As a loyal customer, I deserve better treatment than this.

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 2021-08-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Original Loan XXXX XXXX XXXX Refinanced XXXX Carrington Mortgage Services LLC Judge Ruling XXXX Legal Fees Assessed XXXX XXXX Filed XX/XX/XXXX I filed for XXXX and was 5 months behind on mortgage when I received XXXX. The loan was sold during foreclosure. I attempted to bring the payments current but mortgage company refused, demanding full balance and started foreclosure. 
I obtained legal service through XXXXXXXX XXXX XXXXXXXX XXXX, which I was exempt from paying for any legal fees due to my income/disability. 
The judge dismissed the case, no prevailing parties and I was to pay for my own legal fees. 
A loan modification was done and debit authorization for mortgage payment. Mortgage company assessed legal fees and placed on my mortgage statement as past due. This does show on my credit report. The assessed legal fees are ridiculously high and no proof of their fees from their attorney and/or filing fees or court costs except what they want to charge. 
Please see the attached original mortgage loan, judge ruling stipulation and correspondence.

Company response to consumer: Closed with explanation