vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
Since the day   XXXX   XXXX   XXXX   sold my loan to Rushmore   XXXX   XXXX  , they 've been trying to take my house. My payments had just been recalculated before my loan was sold, Rushmore wanted a much higher monthly payment and left the responsibility to me to get a copy of the escrow report. They would n't accept any payment for 3 months until this escrow paper was confirmed, therefore trying their hardest to get me behind. They knew  XXXX  have given me a loan mod, forgiven half of my principle, therefore I had equity and they would get a chunk of money by foreclosing. It did n't work then, however now I am behind, they 've sued for foreclosure, wo n't accept my offers of repayment, and are very rude. The guy I have to talk to sounds like he 's  XXXX  yrs old, he does n't seem to know much at all except how to bully me into paying everything at once, or going through with foreclosure. I had a settlement conference on   XXXX   XXXX   XXXX  . I offered to pay {$1500.00}, asked if they could defer to the back of the loan the remaining of what I 'm behind. About {$1000.00}. They said no, and told me instead of the {$2500.00} I owe them, ( The statement I received in the mail today   XXXX   XXXX   XXXX   says I owe {$2500.00} to bring current. ) they now say I have to come up with well over {$5000.00} to bring my loan current even though my statement says {$2500.00}. I Do believe they are just trying to bully me, and scare me so I will let them foreclose. I work from home and can make my regular monthly payments of {$280.00} but they wo n't give me a chance. They also know I am so close to getting my  XXXX  but wo n't work with me at all. And I believe there are some legal and ethical issues going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  C  onsolidated Recovery Systems    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide by th e FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in   XX/XX/XXXX     and the false information is still showing on my credit reports under the first  XXXX  names listed : Date   XX/XX/XXXX     Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX  RE : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c. Th e Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My mortgage got transferred to Nationstar Mortgage in XXXX 2015. This company is now accusing me of non-payment and arrears and have reported to the CRAs 15 times for none or late payments. My bank and I have proof of payments on my bank statements. No payments have ever been missed. This company has totally messed up my credit and caused me two years of stress and heartache. I  automatically pay my bills every two weeks without fail. In addition I have contacted the company many times without fail and most of the people are rude and tell me Just pay it! If you get someone who tries to help you, you end up getting another letter threatening to take your home. I cant believe them anymore because they have lied so many times I thing they are scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I contacted  XXXX  by phone and they are refusing to allow me to access the money credited to me by  XXXX  currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means.

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 2017-05-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
Greetings, I 'm a payee for my son  XXXX   XXXX , who was incarerated sometime in  XXXX   2017 . When I learned of his incarceration immediately contacted  the SSI offic e and requested his check for  XXXX   XXXX   2017  be stopped. I learned on  XXXX / XXXX / 17  that the checked was issued. I never received these funds. I immediately went to th e SSI. And asked why did n't the rep stop the check like I requested, she had enough time to stop the check, Ssi  was very evasive, so I contacted  Direct Express  and spoke with  XXXX  employee number  XXXX , she could not answers my questions either, so I was transferred to le vel 2  and spoke with  XXXX ,  XXXX ,  XXXX ,  XXXX . Neither of these people could or would not give me an address where the transaction for  XXXX  took place. I need to know an address where someone went at  XXXX   XXXX  and took money out of this ATM. I need to get to the bottom of this. So those responsible will be held accountable for theft. I would like a through investigattion into who took this money out of this ATM, and the location, th e Ssi is  trying to hold me Responsible for something I did not do. I will be filling a police report regarding this matter.   I am very up set. I asked the reps from Direct Express who regulates them! They would not disclose this information to me. I found that very upsetting. I want those responsible for take that money held to answer, and that money returned to t he SSI loc ated at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX . I 'm very saddened by this situation, that someone would take advantage of my son being in jail and steal the money. When it should have been sent ba ck to SSI. Tha t was my sole purpose of contacting them so the check could be stopped. Please help me resolve this urgent matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX , EQUIFAX have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -   XXXX     XXXX   -   XXXX   XXXX   XXXX  , were all removed from my reports th en re adde d again, these are not my inquirys these applications were done without my permission.   I have asked  XXXX  several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
My name is   XXXX   XXXX   of  XXXX , NJ. I purchased a  XXXX   Hyundai Sonata fr om   XXXX   XXXX   Hyundai DBA  XXXX  Hyundai @  XXXX    XXXX   XXXX    XXXX   XXXX , NY  XXXX . The car 's list price was {$29000.00} and a  Service Agreement of {$3400.00}. I ended up financing {$35000.00}, with a finance charge of {$24000.00} ( 18.99 % APR for 72 Months ). My monthly payment was {$830.00}. The total sale price was {$65000.00}. I gave the dealer a {$5000.00} downpayment, part of which he told me would be applied to my first monthly payment, and the rest would be applied to the downpayment of the car including Motor Vehicle Fees and taxes. My complaint is that  on   XX/XX/XXXX  the  car dealer advised me to sign the blank contract as I had my child, was in a rush for work, and he would fill in the details based on our verbal agreement. To my dismay, upon receiving a  XX/XX/XXXX  letter from Hyundai Motor Finance I had a contractual agreement to pay twice the amount of the value of the car. This is in stark contrast to the dealer 's prior verbal assurance that my car payments would be no more than {$320.00} per month.The dealer pacified my complaint by telling me that he would rectify the matter with a new contract, but I should make payments as to not run in default on the contract. Coincidently, a majority of my payments are applied to the interest and not the principal. Eventually, I could not keep up with the payments, after losing my job. After the last partial car payment on  XX/XX/XXXX , and a verbal agreement with the finance company to pay the balance the following morning, my car was repossessed the following day. Subsequently, the repossessor sold my car for {$9000.00} at an auction and is now harassing me for {$23000.00} to be collected by  XXXX   XXXX   ,   XXXX  (  Collection Agency  ). Please help as this is ruining my credit, placing me under  XXXX . I am a single mother o f a  XXXX -year-old chil d who was born with  XXXX  and has had  XXXX   XXXX , which is causing financial and  XXXX  hardships. Please see attached file of documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
The servicer refuses to review me for a loan modification due to my arrears bei ng three years pas t due. I have increased income for which I can afford to make my payments and the servicer is foreclosing on the property on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I attempted to ask the servicer to review me for a modification and I was told that they can not because I am 3 years past due and I am not in the military.

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 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The  XXXX   XXXX   XXXX  sent a credit balance of {$1700.00} to my closed Chase credit card on  XXXX   XXXX ,  2017 . I have yet to receive the money. Chase claims to have sent me a check on  XXXX   XXXX ,  2017  which I never received. I called at leas t four time s between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  asking about the credit balance I was due. I have the id numbers of the individuals I spoke with. No one informed me until  XXXX   XXXX ,  2017  that a check had even been sent. I informed them again that I had not received a check and was told they would stop payment on the lost check. Today I called and found that they did not put a stop payment on the check until  XXXX   XXXX ,  2017 . Today  XXXX   XXXX ,  2017  they are telling me I will now wait anothe r two weeks for a new check and maybe even another 30 to 60 days for the process to start again. In the days of electronic transmission how can this ineptness occur? My contention is that they never should have accepted a credit to a closed account. Secondly when I found this had happened I should not have had to wait 30 to 60 days to have the money returned to me. Once they started the process I should have been n otified that a check was sent. Finally once I started asking about the credit I should have been told a check was sent. I was not thus further delaying the time frame to stop payment on a lost check. Unfortunately just another example of how the big banks take advantage of the consumer. Now I wonder if I will ever receive this credit. Would appreciate some help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Capital Bank : They continue to not process payments on time on promotional balances which causes for promotional balances not to be paid down and thus create new deferred finance charges.     Bank on  XXXX / XXXX /  XXXX   {$430.00} was paid off and it was in full so the balance reflected was  XXXX . They stated it was not paid on time and processed  3 busi ness days later so they added {$290.00} in deferred interest on my account creating a balance from  XXXX  and PAID OFF to {$290.00} plus now interest on top of that.     I work abroad 9 months out of the year and also in the reserves and they notified me since it was NOT within 5 days of notifying them, they will NOT reverse the charges which is ludicrous.     When you pay in full, get confirmation from my own bank, get a confirmation email f rom Community indicating the  payment was made while looking at the current live balance at that time in late  XXXX    XXXX  , you know its " paid off '' with a "  XXXX  balance. '' How or why on earth should I look or anticipate any problems. I just returned from being overseas for work after numerous weeks abroad and just opened a bill this morn ing (   XXXX   XXXX ,   XXXX    ) to m y surprise.     They should immediately quit these practices and since this credit card no longer can purchase any motorola products, I want this to reflect a  XXXX  balance like it was in late  XXXX    XXXX  , and move forward.     They always intentionally try to hurt the " little guys '' and their bullying and illegal tactics should cease! I spoke to both  XXXX  and  XXXX   XXXX  and both did nothing ...     Now, they want me to mail them thru regula r US  MAIL, and wo n't give me any EMAIL.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This is in reference to  a Costco card issued through Citi. At a Costco location, I needed to add myself to my business account which already existed. Instead of adding me to the account already opened, the issuing location erroneously/fraudulently established a separate account under my personal information, resulting in a separate hard credit pull, and an additional credit line open to me personally. I have attempted to resolve this with Citi o n  XXXX / XXXX / 17  at  XXXX . They said that they were  unable to reverse the hard pull on my credit. Citi advised me to close the account that had erroneously been opened in my name, helped me add myself to my business account, and encouraged me to contact the C FPB.

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 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit cards/store cards were opened in my name and birth date with a social security number that is not mine. These accounts have been reported to  XXXX   XXXX   XXXX  in which are harming my credit. I have disputed these account 8 times and  XXXX  a long with these companies have yet to do the right thing and remove these fraudulent accounts off my credit 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 non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Beginning prior to  XXXX / XXXX / XXXX , I 've been writing and Disputing Ocwen Loan Servicing, LLC, regarding numerous descriptions of charges on my Payoff Quotes. I 've included sever al Payoff Q uotes for you to examine and review to make sense of any of them.     The most recent PAYOFF QUOTE valid through  XXXX / XXXX / XXXX  includes {$5600.00} for interest due, {$2900.00} for escrow advances, {$67.00} for property inspection fee, {$110.00} for Projected Property Valuations Exp, {$120.00} for a BPO and so on.     Eac  h Payoff Quote differs.
I dispute all of the above amounts and for each year Ocwen made an Insurance payment on our behalf, they were charging us twice the amount of the policy, as the policy is   written for  XXXX  homes ;  XXXX  &  XXXX   XXXX   XXXX   XXXX , not  XXXX  ;  XXXX   XXXX   XXXX  paying the total.     This property is slated to close  XXXX / XXXX / XXXX  and I wish to have a correct Payoff Quote forwarded to  XXXX   XXXX  and myself, to ensure I will not be forced to over-pay my mortgage to provide Clear Title to the Buyers of  XXXX   XXXX   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 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The  XXXX   XXXX  Domestic Relations Section in  XXXX  Pennsylvania has been reporting alimony pende nte lite (  hereafter APL ) to all   XXXX   credit reporting agencies as " Child Support '' and placed for collection and  XXXX   XXXX  Domestic Relations as a creditor. In the  XXXX  an d Trans Union  they have it listed as a " Individual Loan '' and still listed as a Child Support loan. Not only is this a violation of the FCRA for reporting it as Child Support When in fact i am not and have not been late on Child Support payments. In fact I am over paid and have a balance they state issues me a credit every month for over p  aying.
The Domestic Relations Department stated to me in several emails and verbally on the phone that They know its being reported incorrectly but they have no other way of handling this and do it for thousands of others.       Upon making many attempts to get it correctly through  XXXX   XXXX  in writing and directly through the  Credit Reporting A gencies, I was always told it wont change.     I filed a law suit after 9 months of failed attempts and losing several credit cards and a home loan due to the misrepresenting on my credit report. The same day as filing the law suit,  XXXX   XXXX   Sent an email accepting fault and said they will fix the credit report for me. They have fixed it, but not prior to causing me enormous financial harm and damage to my reputation with creditors and with   those within our community and business relationships with my banks.     I am still proceeding through the courts with this suit, but I am writing you as I am concerned that this is happening to many others with in our community and possibly state.

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