vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Prime Choice Funding Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, a representative from Prime Choice Funding sent an email asking for " documents '' to obtain mortgage rates in order to refinance my current loan. I forwarded documents such as Pay stubs, W-2 's, and current mortgage statement, however, I did not sign or send an authorization or consent to run mine or my wife 's credit report. 
On XX/XX/XXXX, this representative sent an email with both my wife and my credit scores, which he obtained from the credit bureau. I was outraged and furious that my credit was obtained without the express written consent of myself, or my wife. 
This was a blatant disregard for my personal information, and illegal as I did NOT give consent. This representative stated in an email that since I gave my DOB, that was the same as consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
Not my accounts reporting

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 2020-05-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have several issues with Equifax. Its bad enough you cant dispute things online. At least I cant. They make it nearly impossible on purpose. Theres more than a 50 point difference in my credit score. Equifax never seems to catch up with the others. Its bad enough they take such a long time to correct amounts on my credit report. Their so-called boost is ridiculous as my bank is not listed. Theyve known about the issue for a year and continue to blow smoke. They refused to change an address without me making copies and sending things to them in the mail which I do not feel comfortable with. No other agency including the Social Security administration and internal revenue has an issue but they do. Its bad enough they breached my information, and obviously cant be trusted, whats worse is they make it as hard as possible for me to log in to their site, and make me call to get anything done. I had to hold for one hour, only to be told they want copies of sensitive information to be mailed to them. So they can breach my data again?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
1 - My mortgage was sold by XXXX XXXX to Rushmore Loan Management Services XX/XX/2020. Two months ago I was able to create an account, sign in, make payments etc. Since then every time I try to log in their system fails to recognize the correctly entered log in and password. I've gone through the password reset process 3 times in the last 3 weeks and each time their system is unable to let me into my account. 
Issue - their website is trash, won't let user log in, unable to access their accounts. 

2. Since my mortgage was purchased by Rushmore Loan Management Services in XX/XX/2020, they have not been reporting to the credit bureaus that I have a mortgage and am paying on it. I called them XX/XX/2020, they said when they take on a loan there is a 60 day period where they do not report to the credit bureaus. I asked her when the 60 day period would end, she said XX/XX/XXXX. I asked if we were past the 60 days and therefore they should be reporting to the bureaus by now, she began asking me questions about my loan from before Rushmore had instead of telling me why Rushmore was not reporting my payment history to the credit bureaus. 

3- Rushmore Loan Management Services does not have an email address where consumers can ask questions or work on resolving issues. They have a phone number which has an upfront message explaining there are high call volumes and not quite verbally literate script readers with no ability to answer questions. 
They also have an online log in portal which is beyond broken and does not allow consumers to log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
Not my accounts reporting

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 2020-05-14 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: GA

Complaint narrative:
Not my accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/2020 I open a new checking account whit a cash deposit of XXXX $ account # ( XXXX ) The Banks Name : TCF Bank Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Illinois PH # : XXXX On XX/XX/2020 The Bank put a hold on this account in the amount of XXXX $ Without any warning or paperwork for any reason why they are holding the XXXX $ from my account. 
So i called the bank and asked the reason why there is a hold on this account they told me that i owe them this amount from many years ago, so i asked the bank to release the hold on my Money the bank reply Refuse and told me to Authorize them to keep my money. 
Also I open another account on XX/XX/2020 account # ( XXXX ) in the amount of XXXX $ on XX/XX/2020 after they have put a hold of XXXX on my other account I withdrew the XXXX $ from this account and should have put this account in a new balance XXXX but the bank put this account in a XXXX $ balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: CA

Complaint narrative:
Back in XXXX my Grandma XXXX wanted to buy some appliances, I decided to help her apply for a credit card and she was approved for {$6000.00} with Discover for 0 % which made my Grandma very happy! 

We waited patiently for her card and once arrived, we activated it and then ran into a roadblock, according to my Grandma, Discover had called her and Discover had spoken with an unauthorized representative of my Grandma, who did not approve and thus further delaying her ability to use the card. We believe this triggered them into asking for length details of documents instead of speaking to the real account owner, Discover spoke with someone else and because of their negligence we're held responsible?! I don't think so. 

Then Discover never contacted us requesting for documents for verification, there was NO letter or call of any sort. Discover THEN felt it was okay to cancel my Grandmas account she was approved for? She has a XXXX score with no lates or any baddies, why is she being penalized?! 

We submitted the requested documents even close to where Discover jeopardize my Grandmas health by FORCING her to go to her bank during the COVID-19 Pandemic to get her paper notarized because Discover is incompetent and can't even complete a normal verification method of my Grandma. 

We submitted all her bank documents and the Discover papers over 30 days ago and no response again ... this is what they did last time and blame us!!! 

I've helped my Grandma call XXXX a million times and have provided everything they need yet they continue to neglect us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I called and requested an escrow account to be established on my investment property with Mr. Cooper the first week in XX/XX/XXXX. The representative placed the escrow account through by requesting an escrow analysis and advised I would need to make the XX/XX/XXXX payment and they would pay going forward. I asked if there was anything else I need to do on that call and he advised no. 
I later received a letter from Mr. Cooper advising taxes haven't been paid and they are force placing insurance. I immediately call them and found out taxes for XX/XX/XXXX and XX/XX/XXXX weren't paid. The employee looked into it and said something XXXX through the cracks and the account wasn't sent up causing an escrow shortage. She told me it would take a few months to set it up. I contacted the employee ( XXXX XXXX ) by email helping me multiple times and never received a email or call back. This just caused a further shortage and payment would have increased beyond making me afford the home therefore I had no choice but to refinance XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} SOC SEC ADMIN OFFICE O XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries, I have contacted the Creditors and they have No Evidence of Credit with them .Enclosed is a copy of my Identity Theft Report supporting my position.

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 2020-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Midwest Recovery Systems
State: MS

Complaint narrative:
they have called threatened harassed, had some guy call me and my wifes phone threatened, told us not to sue or we will lose. i sent them a letter of validation of debt no response in proof that i owe alleged debt. they just threatened and harassed more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: MS

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX  XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XX/XX/2020, contacted company on credit report, credit management, at XXXX, concerning entry to credit report. I let them know i do not owe XXXX, it was paid im full and that i have a confirmation number to prove it from XXXX, and XXXX billing dept number to confirm. So the agent told me that they would bring it to a {$0.00} balance. I said no remove the entry to my credit report because its done in error and indo not owe XXXX. The company refused to remove it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14 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: AFNI INC.
State: TN

Complaint narrative:
AFNI Debt Collection is reporting a XXXX XXXX  account on my credit report. This collection was paid in 2018. I called AFNI on XX/XX/XXXX and XXXX requesting that the account be removed immediately from my credit report. AFNI requested proof of payment which was sent in by email on the XXXX of XXXX. I am currently in the process of attempting to obtain a mortgage which I explained to the customer service employees. The day that the account showed up on my credit report I had just had a mortgage company put in an application for a mortgage. I was denied because of this account. I only have a short time to shop around for a mortgage but I can not do that at this time because AFNI is reporting a collection on my credit report. I would like for this to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-05-14 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I made my XXXX mortgage payment late due to being out of work since XXXX. I paid the mortgage to New Rez as soon as I received my stimulus check, since I was unsure about my future income. I have made the XXXX payment on time. I reached out to New Rez through 2 phone calls and an email. I was assured that my request to waive the {$42.00} late fee would be passed on and that it was something they could do, and that I would be contacted when it was resolved. I never received any call back, my email was never responded to, and several weeks later I have received a certified letter refusing to waive the late fee. I feel during these difficult times there should be some discretion on mortgage fees and also that New Rez failed to communicate properly with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: CO

Complaint narrative:
This is the second complaint I am filing. The first investigation that I filed with you was a fail, you provided me nothing but bogus information from " XXXX XXXX ''. I tried taking matters into my own hands and called " KEY BANK '' directly. The man I spoke to had a hard time finding me, he asked for my SSN and full name to attempt to locate " my account '' he said my DOB, SSN and name or email did NOT match what he had in the system and asked me to update my information. I told him there was a mistake and that I would not update any of that information since its obvious im not the person responsible for the debt. My wife tried to talk to him and asked him if he can transfer our call to the ID Theft department or if we can fill out the proper paperwork for that. He told us he could NOT help us since the information did not match. This is unbelievable. On my credit report it shows that I was Authorized, I never agreed to be authorized nor did i even know I was until I pulled my credit. I filed a police report. I don't know what else to do since im limited with Key Bank due to the inaccurate information and they don't even want to escalate the call since my information does not match their records.

Company response to consumer: Closed with explanation