vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I went to the XXXX XXXX branch located in XXXX  XXXX, CA with my mortgage payment slip, as I always do each month to make my payment at the branch. The bank teller could not locate my loan in the system. A bank manager made a few phone calls and discovered my loan had been sold. I never received any written notice from XXXX XXXX my mortgage loan had been sold or to whom. While I was at the bank I talk to a person name XXXX, who gave me an address to mail my XXXX payment to ( that address did not exist according to the USPS ), she also told me I would receive a letter from XXXX XXXX and a new loan welcome package from the company who my loan was sold to. I never received either. I sent a letter and payment to a address I found on line requesting information about my loan. The only information I received was a one page letter dated XX/XX/XXXX from Rushmore Home Management LLC stating they didn't have any information other than the owner of my loan is XXXX XXXX XXXX XXXX XXXX and they would review the matter, and I would receive information from them within 30 days. As of XX/XX/XXXX, I have not received any information from XXXX XXXX XXXX XXXX XXXX, or Rushmore Home Management LLC and/or XXXX XXXX. I have sent several certified letters including payments to Rushmore, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX but no one has responded or returned the checks. I also sent proper Error Resolution Notice under 12 C.F.R. 1024.35 to both XXXX XXXX and Rushmore ; my written Notices of Error, Requests for Information and Complaints to the correct address, according to their web site : Rushmore Loan Management Services LLC, XXXX XXXX   XXXX, XXXX, CA XXXX, Re : Error Resolution Notice under 12 C.F.R. 1024.35. I never received a response to my letter and Notices of Error, Requests for Information. 

By the way, I also sent a certified letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX with my mortgage payment enclosed and a copy of the letter I received from Rushmore Home Management LLC dated XX/XX/XXXX. They never responded to my letter and the checks were never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: VA

Complaint narrative:
I have emailed Earnest twice to get my payment day shifted back by 2 days, but they refuse to do so. They say I have to go in and manually change to monthly, wait 24 hours, and then change back dates. It's not worth my time for something they could fix on their end in 3 seconds! See below for latest email I sent them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX PDT Can you move my payment date back by 1 day ( move to XX/XX/XXXX, instead of the XXXX ). This will help me align it with my paycheck that I get on the XXXX. Please don't tell me I can do it myself. I want you to do it for me. I know you have the capability. Consider this message my formal written request. 
Please keep passing this up the chain of command until it reaches someone that can fix it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
XXXX from XXXX XX/XX/XXXX transaction was done by me from my XXXX  account, through western union to XXXX overseas bank XXXX, XXXX It is already 12 days my money not yet received to my fathers account, i spoke to them western union customer care they told it is already successfully processed but until now my bank did not received money, i tried lot of times to reach western union customer care they are not picking up the call, i am in the emergency situation to pay my XXXX to bank, so kindly follow them to pay my money back assoon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Collection Bureau Inc.
State: TX

Complaint narrative:
My daughter and three roommates were tenants in a building managed by XXXX XXXX XXXX for 3 years ( they were all XXXX students ). When they moved out, XXXX charged each tenant for various items. The charges were around {$450.00} per person. I paid most of my daughter 's charges as the guarantor on the lease, but disputed two of them : ( 1 ) for painting her room because of thumbtack holes in the wall and ( 2 ) cleaning and/or replacing the main living area carpet. I disputed them because both are routine maintenance and would be undertaken for any incoming tenant/these are the landlord 's cost of doing business. The two disputed items were about {$130.00}. XXXX cashed my check for about {$320.00}, and has now referred the remainder to Collection Bureau Inc. in XXXX, Idaho. I've contested the debt with both XXXX and the collection folks, but continue to receive harassing letters demanding payment. 

As you'll see from the attached emails, the landlord claimed the carpet was " stained. '' Not surprising when four college students live in an apartment for 3 years. Later they claimed there was " pet damage. '' I don't know about the others, but my daughter didn't have a pet so even if there was pet damage so I'm certainly not responsible for that.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Attempting to collect XXXX for a cable bill. Documentation provided shows a bill dated XX/XX/18. Owed XXXX which was a previous balance. On XX/XX/XXXX charges of XXXX for equipment charges. On XX/XX/XXXX equipment was returned and an adjustment was made for {$590.00}. Leaving a balance of XXXX. Convergent has continued to validate debt that is not owed and provided proof from all the bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX, I tried to make purchases of Bitcoin through a payment service that sends Bitcoin to your wallet after your payment processes. I tried multiple times on different days and every time my card was denied. Later on, I noticed that 4 times the money was actually taken out of my account but I had never received the Bitcoin. I contacted capital one about it and 3 months later I get an email stating that 2 of my disputes were approved and two were denied. I have been contacting them about it and they are still not helping me with the two charges that were denied. It makes no sense to me because all 4 charges were of the same nature, yet only two were approved. The denied charges were on the following dates for the following amounts. 
XX/XX/2019 for {$1000.00} XX/XX/2019 for {$1500.00} Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
The phone comes up on my caller ID as Convergent. I saw they had called me a couple of times in a day and I went and looked them up. I found that they were a supposed debt collection agency. Most of the information I found lead to me doubting their authenticity. Since then, they have been calling me everyday, once in the morning and once in the afternoon. This has been going on for a little over two weeks ( since the beginning of XXXX ). I am up to date with all my payments, I have never had a late payment, and the medical bills Ive had I had set up payment plans and have payed them off on time. Therefore, there is no possibility of being called by any debt collector. I have an impecable credit history so i very much hope that these false claims stop and do not affect it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX of XXXX I purchased an XXXX laptop computer for my daughter attending her XXXX  year of college. In the store I was informed that they offered a " same as cash '' offer from BarclayCard that as long as I signed up for " autopay '' there would be no interest. 

After a week or so I received the traditional credit card disclosures from BarclayCard and a credit card I have not used. However, I did not receive ANY materials regarding the fact that the " interest free '' period would come to an end. Nor did I receive a date upon which it would end, thus triggering the balance of ALL interest ( since the initial balance ) coming due. 

Upon noticing the change in payments I contacted BarclayCard and was informed the following : We apologize for the confusion regarding the interest charges. Upon review of your account, your deferred interest promotion expired on XX/XX/XXXX. 

Deferred interest financing offers give you an extended amount of time to pay off purchases without being charged finance charges - as long as the promotional balance is paid in full by the end of the promotional period. If the purchase is not paid in full by the promotional expiration date displayed on your monthly statement, the finance charges that have been deferred during that promotional period will be billed to your account at the purchase APR 15.49 %. 

All of the details surrounding your promotional balance are outlined on your monthly billing statement. While minimum monthly payments are required throughout the promotional period, making only minimum monthly payments doesnt guarantee that your purchase ( s ) will be paid in full by the financing offer expiration date. Additional payment ( s ) may be required to avoid interest charges. 

Since the expiration of your promotion, you have been charged {$630.00} in differed interest and {$170.00} in purchase interest. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Due to the coronavirus, this issue is cripppling me financially. They should retract the late payment, because it was due to an error by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo ( EIN XXXX ) erroneously charged a {$14.00} fee on my monthly checking statement. I have the paperwork and documents opening the account, which I have had for years, which clearly states this is a NO FEE account. 

I have repeatedly asked Wells Fargo to reverse this fee. My request has fallen on deaf ears. 

Please help. 

The fleecing of Americans must stop now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Several purchases made were charged to my Amazon.com Prime Store Card account without my approval. this charges were to comet of my gift certificate balance.In addition I was charged a late fee. 
Total charges was for {$45.00}. I have a gift certificate balance that is to be used for all purchases going forward, as instructed to amazon customer support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: MD

Complaint narrative:
Hi, My Chase Marriott Bonvoy credit card ending in XXXX was closed on XX/XX/XXXX. There was a credit of {$85.00} on my account. Chase did not send me refund check until I called them today ( XX/XX/ ) to check the status. They said I have to explicitly request for credit when I close the account. It is clearly deceptive practice to keep the consumer money after closing the account. Also they are not offering to wire the money to my bank account that they have on the file.XXXX  XXXX and other credit card companies wired me the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
ID THEFT DISCOVER ACCOUNT NEEDS TO BE REMOVED. SSN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I HAVE 2 CITIBANK CREDIT CARDS AND FOR YEARS. DUE TO MY FINANCIAL CICUMSTANCES, MY PAYMNETS STARTED GETTING LATE WHCIH NEVER HAPPENED BEFORE AND DUE TO HIGH DEBT, THEY CLOSED MY CREDIT CARDS AND NOW I HAVE ISSUES DUE TO CORONA VIRUS AND HAVING ISSUES IN MAKING PAYMENTS. CITIBANK INSTEAD OF COMING UP WITH A PAYMENT PALAN, THEY CLOSED MY CREDIT CARDS. I WILL PAY THEM ALL OF THEIR DEBT BUT WANT THEM TO REOPEN SAME CREDIT CARDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: FL

Complaint narrative:
I've dispute items on my credit with experian on several occasions to advised them that XXXX should be removed as well as XXXX. XXXX keeps selling my information to different collection agency when the loan was settled and paid. The debt is over 8 years old and they keep reporting it as new. As, far as XXXX they have not yet to porivde any proof that i owe that amount of money when i wasn't in the apartment at the time they charge me all those charges and the collection is about 7 yrs old. Experian is really not for the people or investigating the necessary details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
XX/XX/XXXX To whom it may concern, I'm filing this complaint against LoanCare LLC, in the hopes that you will demand that they correct their mistakes. I was approved for a trial payment plan on XX/XX/XXXX - my payments beginning XX/XX/XXXX and ending XX/XX/XXXX I made a courtesy call to them on XX/XX/XXXX and spoke with XXXX who told me that there was no such modification approval. That it was approved, but a supervisor overrode that determination, based on the fact that I had a modification completed in XXXX of XXXX LoanCare claims that Federal guidelines prohibit a homeowner from re-applying for assistance for 24 months. While that statute is, in fact, in place - it applies to loan modifications that are completed AFTER its implementation date which was in XXXX. MY modification was completed in XXXX Not only that, but, I have an FHA loan and the 24-month reapplication period does not apply at all. To make matters even more exasperated, I've spoken with Lawn Care five more times and was told each and every time that the file would be escalated and reviewed by management XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX - file escalated XX/XX/XXXX, XXXX XXXX - file escalated and Underwriting was directly contacted regarding this matter on XX/XX/XXXX XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update XX/XX/XXXX, XXXX - no update/no record of modification approval on file It's painfully clear that LoanCare is intentionally deceiving me and these business practices most certainly violate Federal Servicing and Compliance guidelines. I'm asking that you step in and demand that they follow proper federal legal procedures regarding this modification. 

Thank you for your assistance with this and I'm available at the email address and phone number provided any time 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 2020-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I called Flagstar today because of everything going on with COVID-19. I am XXXX-XXXX  and had a lot of clients cancel because they lost work which then in turn is causing our business to lose money and revenue. In 2 weeks, we have lost over {$20000.00} in revenue that would have other wise came in If not for the coronavirus. A lot of my friends on XXXX and XXXX were posting about mortage companies offering relief and I wanted to see If Flagstar did the same. They said they did not and I could fill out a loss mitigation package which actually could take weeks to review and then my credit would be affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to Transunion to dispute a account listed on my report as unverified on my credit report I listed XXXX XXXX XXXX and I listed it unverified or unknown to me I asked for a deletion the response I received was that they could not find said debt on my account and it must be listed with another credit agency well how can they say that when I have proof on my XXXX  app that list my 3 credit report and TransUnion being one of them tthey could not find this particular company XXXX XXXX   XXXX  I am submitting there letter and a screenshot from my own app the same name listed on my app for this company XXXX XXXX  XXXX for deletion from TransUnion if I found it why cant they?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: OK

Complaint narrative:
they call everyday the last time was XXXX XX/XX/XXXX. they have my name and number but but have me married to someone else, I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
they call everyday the last time was XXXX XX/XX/XXXX. they have my name and number but but have me married to someone else, I do not owe this bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations

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