vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. I have a situation that I can not do by myself anymore and I need help. I have been trying to receive a loan modification for a very long time now. I was transferred not too long ago to a new servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX  transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. So I did. But the Keep Your Home California program has denied me. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer which is now my current servicer RUSHMORE LOAN MANAGEMENT SERVICES, LLC. 
I recently sent over the a full packet to RUSHMORE LOAN MANAGEMENT SERVICES, LLC again in hopes for a loan modification review. I and my family are in a very tight spot with RUSHMORE LOAN MANAGEMENT SERVICES, LLC and we do not know what else to do. I can make monthly payments for this loan of around {$1300.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company as to why its taking so long to review and approve the loan modification process. Seems as though every company is prolonging the process as much as possible. 
RUSHMORE LOAN MANAGEMENT SERVICES, LLC are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2018, I was contacted by a seller claiming he was renting out a studio apartment in XXXX. He even had a picture of his driver 's license with the address in XXXX XXXX which, in retrospect, was likely a picture from another possible victim. Over the next 10 days I corresponded with him over email and text messages to finalize the rent. I paid via the XXXX XXXX app, XXXX XXXX, and XXXX Messenger pay. Unfortunately when the time came, he claimed he couldn't send the keys to the apartment and the leasing documents. When I confronted him, he called me a variety of names and later on admitted to scamming me due to poverty. 
I contacted my bank, PNC, immediately after and filed disputes for every transaction. Since it's based on the east coast from when I attended university, I was unable to visit any branches. The fraud investigation department took 3 months to get back to me and said they were completely unable to do anything. However, I specified that it was a scam and that I had indeed authorized the transaction, so it wasn't an issue of someone else taking my card number. Yet these transactions weren't able to be reversed. The only company that did anything to help me was XXXX, who reversed my transactions in XX/XX/XXXX immediately after listening to me describe what happened. Unfortunately since only 20 % of my payments were made through XXXX XXXX as the seller preferred the other methods, I still have {$5900.00} left to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was given 60 days in a letter to respond concerning my identity information, which I gave my whole entire information to the company escalation team to improve and or, approve my decision. I was never told that my credit score was an issue, therefore only to verify my identification through my phone number. Although, that didn't matter many times trying to register my phone number correctly and having to be manipulated to purchase phone for better resulted in a phone to my name, now more costly business. I was decline credibility from the company.

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 2018-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have attempted to resolve an unauthorized charge on my XXXX   Debit card from Simple.com bank. There is an UNAUTHORIZED charge from XXXX XXXX that was made on my debit card on XX/XX/XXXX for {$810.00}. I notified Simple IMMEDIATELY, on the same day the charge occurred. They opened a dispute and put a block on my card as requested. Then, on or around XX/XX/XXXX, they decided to close the dispute saying they didn't find anything wrong. I then called them, asking why it was closed, and how there is no way they properly investigated it. THey then re-opened the claim. On XX/XX/XXXX, today, I received a message that they have again  decided to close the dispute and will not be returning my money. They have denied to help me, even though I am supposedly protected from unauthorized transactions. XXXX won't help, Simple has denied to help, so I have no choice but to turn to the CPFB for help. All I want is my money back that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recovery Solutions, LLC
State: FL

Complaint narrative:
This company has done an illegal soft inquiry regarding a time barred alleged debt ( yes i know thia to be true as i have no debts under 4 years old which is the statute mandated limit per fla sunshine law ) which 0 info has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: NY

Complaint narrative:
Hi I am contacting you because I was recently alerted that there were some fraudulent credit inquiries on my credit report that I would like removed at once because they do not belong to me and they are fraudulent and I am a victim of identity theft, Please make experian remove these inquires from my credit report and raise my credit score back to where it should be. XXXX XXXX XXXX and XXXX please remove as these are fraud and do not belong on my 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 non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I have sent the company a " cease and desist letter '' via registered mail, but the company contacted me again, after receiving my " cease and desist letter. '' Today ( XX/XX/XXXX ) I received their letter dated XX/XX/XXXX. This is much after they received my " cease and desist letter. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: OH

Complaint narrative:
There are unauthorized inquiries on my report even though I sent a letter stating I was a victim of identity theft and would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Kohls charge app and site was having issues. Would not accept my payment and said there was an error and to try again later. After multiple attempts I messaged Kohls and they said the problem was fixed. It was not! So I tried again later. The payment went through. This was XX/XX/XXXX. The payment was {$41.00}. Today XX/XX/XXXX I check My bank account to find there was a second charge from them for the same amount on XX/XX/XXXX. I talked to two customer service agents on the phone and multiple online and they basically told me there was nothing they could do and they could not refund me my second payment. To call my bank and cancel payment to them but I would be charged a {$25.00} cancellation fee. This is absolutely ridiculously and very shady of them to do. It was basically said to me it was my fault which it was not, the site was not working and telling me to keep trying. I only got one confirmation number in all my attempts so for them to charge me twice and try to brush it off as an error on my part is poor customer service! I am very displeased with this company and how their customer service works. How many others do they do this to? Taking unauthorized payments without a customers consent and then telling you oh well! Will be done with this company as soon as I oay My balance off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: OH

Complaint narrative:
On XX/XX/XXXX, I paid my credit card off in full. It was 5 days past the due date. I made no other purchases on the card. I was charged a XXXX dollar late fee and finance charge ( not sure what the finance charge was for on a XXXX balance ) XX/XX/XXXX, I didnt even check the statement because I had paid off the account in full. Another XXXX late fee and a finance charge. XX/XX/XXXX ( today ) I get a call that I owe them XXXX dollars and some change. I was assured that if I paid them today, the payment was good through XX/XX/XXXX. So I pose the question so I wont be charged another late fee in XX/XX/XXXX because today is 7 days past my due date. The response was I would not. So I ask then what is the difference between XX/XX/XXXX and XX/XX/XXXX? You charged me in XX/XX/XXXX for XX/XX/XXXX why wouldnt you charge me in XX/XX/XXXX for XX/XX/XXXX?  The representative then offered to waive XXXX in late fees, with no explanation why I was charged in XX/XX/XXXXl, but wouldnt be charged in XX/XX/XXXX. The computer conveniently froze and even though I asked to remain on hold to resolve the issue, I was disconnected. 3 attempts to reach the representative were unsuccessful. I also asked for a balance so I would never have to deal with this card for he rest of my life, The representative was unable to provide that information. I feel like this is an attempt to unfairly collect fees that are not due to them. The company is XXXX XXXX the card was through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-12 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: NY

Complaint narrative:
My name is XXXX XXXX I am contacting your company about the credit company Transunion because they are reporting things on my credit report that are fraudulent and I want them removed at once because they do not belong to me and are fraudulent. The first fraudulent item is an address which I never lived at and is fraudulent XXXX XXXX XXXX XXXX XXXX ny XXXX this is fraud and does not belong to me please remove at once from my credit report also there is a credit inquiry from CFNA Inquiry : XX/XX/2018 this inquiry is also fraudulent and doesn't belong to me please remove it off my credit report and raise my score where it should be.

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 2018-05-12 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: OH

Complaint narrative:
There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.

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 2018-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.

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 2018-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
A credit report showing I owed them XXXX. I have no knowledge of this account and had it removed from my report 2 times. This is the 5th time since it has been reported. I have no knowledge or responsibility for this account. The service date is XX/XX/2011. I have the account number upon request the company name is commonwealth financial sytems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: OH

Complaint narrative:
I challenge the accuracy, compliance and reportability of multiple listings. 
According to the XXXX XXXX Compliance In the Matter of : the Investigation by XXXX XXXX XXXX, Attorney General of the State of New York, of Experian Information Solutions , Inc. ; XXXX  XXXX XXXX, XXXX ; and XXXX XXXXXXXX. 
Experian is reporting information that the other two bureaus have currently corrected or suppressed.

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 2018-05-12 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: NC

Complaint narrative:
I am a victim of identity theft I have worked extremely hard with Equifax a year now about my credit I have sent verification of documents, Police Report from the XXXX police department, even hired an attorney who has been communicate with this company. I also have documents from the company that are fraudulent on my credit for inquiry to open accounts. it has been more than a year almost the inquiry are still on my credit. those company has informed all three of the credit bureau. Equifax has changed my credit score down I have not apply for any account yet my score is down when I last check it was in the XXXX or higher. I called to ask what was going on a young man by the name of XXXX I sure I am not spelling his name correctly but that is the way I had received it when I asked him to spell his name. Because I informed him that I was recording our conversation for documents purposes I was told to resend the same documents again to fax # XXXX witch is the Dispute Dept. and send it again to the Fraud Department # XXXX these are the company that sent me letter of open fraud applications. now I have 17teen inquiry they have not removed. The young man told me they still are showing my maiden name but the Equifax credit show XXXX XXXX. He said it still shows XXXX XXXX I have the change on my Equifax that's why I know they received my information. I don't understand why they are not updating my credit. XXXX, XXXX, to applications, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX two times one was tired for 2days in the same month. another in XX/XX/XXXX. I informed XXXX XXXX XXXX about the situation that is was fraudulent they said they had already reported to all three credit. XXXX 's had showed the application as fraud and sent it to all three credit bureaus, I still have other things that I am disputing My lawyer has taken over that. I hope this issue can be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Independent Recovery Resources, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX i went to see XXXX XXXX for XXXX to have XXXXXXXX  removed from my XXXX i signed a formed that stated he would except what ever my insuraance paid him on XX/XX/XXXX i had the XXXX  the dr was paid several times by my insurance XXXX and XXXX XXXX XXXX after further investigation the insurance discovered he was over inflating the bills and not license to do XXXX under XXXX XXXX in his office as there was no safety net in place if something went wrong and refused to pay the dr any more claims. 1 year later XX/XX/XXXX i get a notice from a collection agency INDEPENDENT RECOVERY RESOURCES i then reached out to the company and explained that in these bills there are no payments attached for service and do they really believe a XXXX XXXX cost XXXX and {$240000.00} I went on to explain that my XXXX  was so XXXX that i had to have another XXXX two more times and XXXX XXXX XXXX off my XXXX XXXX   from the mess XXXX XXXX did. There are bills dated for days that i did not see him and bills dated long after I moved out the state of XXXX XXXX i was living in XXXX from XX/XX/XXXX till present I would like to have this case investigated for fraud there are multiple items listed on the same date on 2 differents as 2 different things,

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 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with The United States Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Sent one month ago to no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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:
I received a letter XXXX XXXX XXXX XXXX showing my credit score.XXXX XXXX FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with Equifax/XXXX XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this debt.

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 2018-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I took out an auto loan with XXXX XXXX on XX/XX/XXXX. The account closed on XX/XX/XXXX. I had been making perfect on time payments up until an incident that left me hospitalized, and out of work for months. I tried contacting the loan company to inform them of the tragedy and request some sort of accommodation. The customer service reps had no mercy to my situation. I fell under hard times. It was either medication, or a vehicle I couldn't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter XXXX XXXX XXXX XXXX showing my credit score.Trans Union FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with XXXX   XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter

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