vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I mailed the payment to citibank on XXXX XX/XX/2021 they state they do not have it and on the back of the statement they state that if they get the mail by midnight they will post that day. They will not look into the payment until the check clears the bank. Payments have been extremely slow by mail to the KY and PA address they provide

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 2021-11-08 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: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB MANAGEMENT is reporting a collection account on my credit report from XXXX. This is a fraudulent account, I have never had an account with XXXX. XXXX has removed this account from all three of my credit reports, but NCB MANAGEMENT is still reporting this same account on my XXXX report. They originally blocked the account, but they have re-inserted this account. They never notified me that this account was being put back onto the report. I reached out to the collection agency requesting documentation on this account. Their paperwork was returned back to them because they tried mailing the documents to the fraudulent address that's connected to this account. That's another red flag, the personal information connected to this account is fraudulent. NCB Management still have not provided me any documentation regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JP Morgan Chase has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : JPMCB CARD Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
On XX/XX/XXXX a security instrument was given to HUD ( via XXXX XXXX XXXX ) in connection to my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The security deed was previously serviced by XXXX on behalf of HUD until it was transferred to Rushmore Loan Management Services as evidenced by a letter dated XX/XX/XXXX. In XXXX, I corresponded with Rushmore Loan Management Services in order to secure a payoff of the primary loan and any subordinate instruments associated with my home. I was given a figure and paid that amount. Until XXXX of XXXX, I took for granted that RLMS had sent XXXX release paperwork to my XXXX. Upon my attorney 's research into the title, it was discovered that the smaller security deed was never released, although RLMS shows the balance on that instrument to be XXXX. In XXXX of XXXX I began to inquire about a resolution with RLMS. The result has been disastrous. RLMS has not been responsible in following up with me on this matter which has been unresolved for almost two months. The latest information they disclosed to me is that they have sent some unidentified information to HUD and that HUD responded with unidentified questions for RLMS. I can not get a clear answer to my inquiry. In the meantime, {$4400.00} is being held in limbo during a home sale process. This is money that I need and can not access. I filed a complaint with HUD and am now doing so with you. I can not reach HUD to inquire and am left thinking that something is amiss with RLMS. I have no recourse of action as RLMS will not connect me with their lien release department, nor will they connect me with someone who can answer my questions. The original XXXX case XXXX on the instrument is XXXX ( this is a Georgia subordinate security deed : HUD instrument XXXX. The number XXXX assigned to the deed was XXXX. The loan number that RLMS assigned is XXXX. I need some pressure to be applied to RLMS to reveal what is really going on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: NJ

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 2021-11-08 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: NC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I have been using Western Union for several years not to send money to my family members and friends in the XXXX. Western Union has closed my account without warning our reason. They have also taken all of the reward points i have accumulated over the past 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I refinanced my mortgage in XXXX. Wells Fargo Delayed the closing and the rate lock expired. I have emails that I addressed this matter with Wells Fargo from XXXX. In XXXX Wells Fargo was fined {$1.00} XXXXXXXX XXXX AS A RESULT OF THIS MATTER.Wells Fargo still did nothing about the abusive practices. Only a few customers were addressed. In XXXX, XXXX, Consumer Affairs discovered that Wells Fargo still had this matter outstanding, and assessed another $ XXXX in fines to Wells Fargo. 
I received a check ( with no explanation ) dated XX/XX/XXXX. A letter attached to the checks offers no clear documentation of how Wells Fargo arrived at the amount of what they were sending me.No supporting Documentation was provided at all. Just some numbers provided by Wells Fargo Customer service Customer Service Dept. I want full documentation. of XXXX XXXX XXXX Calculation - Interest period dates and percent for state of Ohio. Wells Fargo has insulted me bay saying they are paying me and additional {$170.00} for time I did not have the fee 's This is what they think I'm worth. AND IT IS NOT ACCEPTABLE. WHO CAME UP WITH THIS FIGURE. ALL OF THIS WAS DONE BY WELLS FARGO CUSTOMER SERVICE DEPARTMENT. NOT ONE LEGAL PERSON WAS INVOLVED. I CALLED WELLS FARGO TODAY AD VERIFIED THIS. THIS IS AND INSULT. THEY ADDED {$5.00} AS A " JUST BECAUSE '' Then Wells Fargo is telling me to contact a tax consultant and/or an attorney to see if I have a tax liability. And Wells Fargo expects me to pay for this service when Wells Fargo is the guilty party. Wells Fargo should be paying any and all fee 's that a customer incurs as a result of this matter. Wells Fargo wants me to take the pennies that they sent me, spend it all on an attorney or tax consultant. Wells Fargo is the guilty party. I am not standing for this. Wells Fargo need to pay. And {$170.00} is not acceptable. What makes Wells Fargo this I am only worth {$170.00} when they are paying BILLIONS IN FINES. I WANT A COPY OF WELLS FARGO 'S RESPONSE TO THIS COMPLAINT FOR MY TEAM. THANK YOU. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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:
This is a follow up complaint that was not addressed by the bank. the other issue which Chase bank refuses to acknowledge besides the hardship they caused, unanswered questions about freezing ALLLLLLL my accounts instead of just putting a hold on a single deposited check, Then they froze my daughters accounts, which are NOT tied to mine, COMPLETLY separate, we are NOT on each others accounts, or in the same home or county. and breeched confidentiality by telling her about the check i deposited ( which was legal and confirmed in 1 day yet until i went into the branch after being hung up on 2 times, and called the complaint dept, on hold for 2 hours, did they release my money ) into my acct, they gave her my acct number, and when she told them she has know idea whos account that is, they continued to tell her the name on the check, and the amount,. i have tried to get answers and they are denying and ignoring any wrong doing, they sent us BOTH a threating letter, that if we do provide information they requested, they would close our accounts.. They gave personal confidential information and refuse to right this wrong. Giving personal information ACCOUNT numbers to anyone is against the law, CHASE bank needs to correct this, and people need to be made aware of the actions they are taking to hold money, and not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: NC

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX of XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021, I was alerted Through XXXX that a new credit card inquiry was placed on my credit report. Upon further research, I discovered a new credit line was opened in my name under Capital One. I did not open this account nor did I acknowledge this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Investigation took more than 30 days
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
The home located at XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXXXXXX XXXX  ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to Flagstar bank after the sale of the home and Flagstar bank has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with flagstar bank and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that flagstar bank has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rauch-Milliken International, Inc.
State: NC

Complaint narrative:
I own a XXXX XXXX  in XXXX XXXX, NC called XXXX XXXX. The collection firm Rauch-Milliken International Inc. , located at XXXX XXXX XXXX XXXX XXXX, LA XXXX and with a phone number of XXXX, contacted me repeatedly and was abusive each time. The caller was Mr. XXXX. He was sarcastic, demeaning and made untrue claims. 

I told him that the debt with XXXX XXXX was in dispute, that the company making the claim had withdrawn thousands of dollars from my business checking account which were not owed to them and we had made repeated efforts over the phone and in email to resolve discrepancies and double billing. When they were recruiting me as a client, they made numerous misrepresentations on billing and pricing. We even received a personal phone call and written letter of apology from the Corporate President of XXXX XXXX for illegally debiting my account for over {$10000.00} for debts not owed and without my permission. They claimed this was a " glitch '' and it took a long time for them to refund my money on payday and during the holiday season. Then it happened again. 

Despite this, Mr. XXXX has continued to send us threatening letters and take us to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a credit card with XXXX XXXX XXXX XXXX earlier this year and XXXX XXXX XXXX XXXX told me they could not access my file. They said when they tried to pull my Credit Report they saw " not available '' and there was a " fraud alert '' on my account. Equifax told me there was no " fraud alert '', " freeze '' or " lock '' on my account and that XXXX XXXX should be able to see my account. A few months later I tried to apply for a loan with XXXX XXXX. Again they said my Credit Report was unavailable... they couldn't pull my account. Equifax sent me a letter stating there was no fraud alert, freeze or lock on my account. If my Credit Report is unavailable, I can not apply for any products. Equifax has told me over the phone that the problem is with XXXX XXXX. XXXX XXXX says the problem is with Equifax. I do not agree with Equifax 's response that there isn't a problem as I have had this issue since earlier in this year XXXX XXXX  ) and it is very frustrating. I would like this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I deposited a check for XXXX on XX/XX/2021, at the XXXX XXXX XXXX XXXX, sc XXXX. On XX/XX/2021, the check was returned unpaid. The bank said it was fraudulent check, they cleared the check so I thought it was a good check. It came to me in a priority mail. I have a message saying it was a covid relief check grant. Know the bank is saying I'm responible for the deposit and they was going to cancel my account if i do not pay this in 60 days. They deposited the check into the wrong account. That account belong to my daughter. Her account has been connected to my since she was in college.

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 2021-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Advisory Group, Inc
State: CA

Complaint narrative:
They called me claiming to they would sign me up as for a student loan forgiveness plan. They had my loan information and I mistakenly assumed they were working with the company I took my loans out with. They signed me up for a plan that starts XX/XX/XXXX where I will pay {$190.00} for 6 months and then {$39.00} a month until my loans are paid off completely. They also said by signing up I would not have to pay any interest on my loans. Today ( XX/XX/XXXX ) I tried calling the woman XXXX XXXX directly and it went voicemail after a few rings. Then it went straight to an automated message. I called the company itself and someone answered me, I asked if they were the National Advisory and she hung up on me. I tried calling again and it didn't even allow me to speak to a real person. I looked up the company online and apparently they have been scamming people. They did the same thing to other people, hanging up on them right away and refusing to respond to their messages. I emailed to say I want to cancel my loan repayment plan with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: NY

Complaint narrative:
I received in the mail an unsolicited Square debit card with my name on it. I have never had an account with Square nor did I request a debit card.

Company response to consumer: Closed with explanation