vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and this is my second complaint against my loan servicer, Rushmore Loan Management. In the complaint I filed a few months ago, I described how Rushmore was violating my California Home Owner Bill of Rights, or HOBOR, and they still are. My rights have been violated in a number of ways, including Rushmore engaging in dual tracking while I attempt to have my loan modified, no communication with my single point of contact, XXXX XXXX, and a faulty and illegal loan modification appeal process that I am currently engaged in with Rushmore. Additionally, Rushmore managers have recently lied to me, telling me that a Rushmore manager by the name of " XXXX XXXX '' had spoken to me on XXXX, telling me that I had filed an " invalid '' appeal. I had no such contact with this person, this is a lie. Rushmore made this episode up to strengthen their attempt to sell my property on XXXX, even though by law, the sale date should have been automatically postponed due to the fact that I filed a valid appeal on XXXX, after my recent loan modification proposal was declined by Rushmore. I reached out to Rushmore the week of the XXXX in an attempt to speak to XXXX or another manager concerning my appeal and why the company was not postponing the scheduled XXXX sale. To date, there has been no communication with XXXX, the only other communication with management was with the manager who lied to me about XXXX speaking with me about the appeal filed. The only reason the property was not sold on XXXX, is because I reached out to Rushmore 's attorney XXXX XXXX , who interceded on my behalf and postponed the sale. And the fact that there is a new sale date of XXXX is illegal because I am supposedly in an appeal status with Rushmore and no new sale date should be set unless my appeal is turned down. Rushmore  setting a new sale date gives the appearance of management already having decided to decline my appeal, without fairly reviewing new facts that I have presented them with. What Rushmore is doing by setting the new date so soon is grossly unfair and illegal. As mentioned in my first complaint, I would greatly appreciate having the opportunity to speak with a CFPB investigator about this matter. Simply forwarding my complaint to Rushmore and allowing them to deny the facts that I have presented here is not good enough. This is an out of control company that has trampled upon the rights of countless homeowners across the country and it needs to be held accountable for its actions. Please, have an investigator reach out to me about this matter as soon possible. Thank you very much for your time and consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/2020, we contacted PNC Bank to inquire about the Covid19 Relief Program. We specifically asked about the deferred payments and how they would be collected. We were assured that the deferred payments would be added to the back end of our mortgage and we could resume payments up to a year after entering the program. After about 8 months we started to received paperwork about entering into some sort refinancing program that was never discussed or disclosed when we contacted PNC to enter into the Covid19 Relief Program. When we called to inquire about this paperwork, we were informed that we needed to pay back the deferred payments, {$11000.00} plus, not at the end of the mortgage as previously discussed and assured by PNC or enter into this refinancing program. We spoke to the PNC employee, XXXX, assigned to our case and informed her of what was discussed and agreed upon. She kept referring us back to the refinancing program that we informed her was never discussed with us at the start. XXXX admitted that there were no guidelines to this program and she herself was unsure about the details of how the program works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my complaint to the three major credit reporting companies after several phone calls and letters. 

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: GA

Complaint narrative:
This is my complaint to the three major credit reporting companies after several phone calls and letters.

I am writing to remove erroneous and obsolete demographic information on my credit report. The above information concerning my name, address, phone number, and employer is the only information I want to appear on my credit report. I want all other data which includes old addresses, old phone numbers, old employers, all variations of my name that does not appear exactly as above removed. You use this incorrect or outdated information as challenge questions for access to my credit report. The information that you use is incorrect and outdated. Your use of old and incorrect data is preventing me from accessing my credit report which is my right under The Fair Credit Reporting Act. I have written several letters informing you of this and as of this date have not received a response. I still have no access to my credit report. I have filed a complaint to the Consumer Finance Protection Bureau and I am including a copy of this letter to them also. Your prompt attention to this matter is appreciated.

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 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
This debt collector called my family member and talked about my debt when they didnt have a power of attorney. They told them I had debt I was unaware of and I want it taken off my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update 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 explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-01 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I was denied for an auto loan from my credit union ( XXXX XXXX ) due to a false derogatory on my credit. This derogatory was an error on part of XXXX XXXX as it was reported in XXXX of 2017 while I was underage for my fathers car insurance policy. I complained to them, so they requested to have it removed from my credit report. 

The new report no longer shows that error from The XXXX XXXX Credit Collection Services however my information is being misrepresented so that it appears as my social security number, credit score and birthday, however my name is marked as XXXX XXXX XXXX which is my fathers name. Whether it was the fault of a credit bureau XXXX XXXX XXXX or the collections company as above mentioned for XXXX XXXX, one of these four organizations incorrectly represented my identity and prevented me from a months worth of pay while I seek transportation for myself. 

I have attached a copy of my social security card.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Lightstream Inquiry XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2021-10-01 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: TN

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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. The following inquiries listed below need to be deleted from my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ACI Worldwide, Corp.
State: AR

Complaint narrative:
ACI FAILED TO REFUND 3 FRAUD INDUCED TRANSFERS XXXX IS DENYING CLAIM FOR {$2300.00}. THEY ARE VIOLATING THE DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call from Wells Fargo XXXX about unusual activity regarding my checking account XXXX. The person asked me about 2 transactions that were attempted in XXXX Texas. I told her that I had made no such transactions and she noted that Wells Fargo had caught both and flagged as fraud. 


She noted Wells Fargo needed to verify my identity and asked a question which I answered. She then said she needed to send me a text. She did and I gave her the 6 digits. Quickly without my permission and completely unauthorized attempted to make two wire transfers. Additionally, she requested a 6 digit code again and a text came through noting an attempt to wire funds. I hung the phone immediately and called the Wells Fargo number on the back of my debit card. I was adamant for the representative to move quickly now ... .now to stop these unauthorized insanity from happening. This representative asked me the same questions and his verification text were Identical to what this previous call requested. IDENTICAL!!!!! {$23000.00} and {$1900.00} wires were initiated and UNAUTHORIZED. 
{$1900.00} was stopped but {$23000.00} was not. I have been crushed financially by this and all Wells Fargo says is either call back later in week or even NEXT week. Shocking behavior from a Bank ... .from WELLS FARGO.

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 2021-10-01 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:
On XX/XX/XXXX I sent my second dispute letter to Transunion expressing my concerns about inaccurate information being displayed on my credit report. My first dispute letter was sent on XX/XX/XXXX, to date I have not received a reply or acknowledgement that an investigation has begun or concluded. Below is a list of inaccurate information that I have repeatedly expressed concerns about.

1. Collection Account - The following account is not mine. Please remove it from my report. 
- XXXX - Dated XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX 2. Closed Account - The following account is not mine, nor is it reporting any accurate account numbers or information. Please remove it from my report. 

- XXXX XXXX - Open Date XX/XX/XXXX - Closed Date XX/XX/XXXX 3. Closed Account - The following account is not mine nor is it reporting any accurate account numbers or information. Please remove it from my report. 

- XXXX XXXX - Open Date - XX/XX/XXXX - Closed Date XX/XX/XXXX 4. The Following inquiry was not authorized. Please remove it from my report. 

- XXXX XXXXXXXX XXXX  Your assistance with helping to assist me with this matter wuld be greatly appreciated.

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 2021-10-01 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: NJ

Complaint narrative:
I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: IL

Complaint narrative:
XXXX XXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX  XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from 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 2021-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JFQ Lending, LLC
State: IL

Complaint narrative:
I've gotten mail every week from JFQ lending which is in the form of an FHA official documentation. The document is titled, " Report of Available Funds '' and in this document, it has my name, file ID, address, and available funds. I have received mail from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thus far. The mail states that I have {$3700.00} in available funds and there is a website that looks like it's an official FHA website. The website listed is XXXX This seems like a scam to trick consumers by making the document look like an official FHA letter. The NMLS ID is XXXX.

Company response to consumer: Closed with explanation