vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Everytime i am asked for my name and identification documents by authorities, a file of someone else criminal activites shows up upon giving my ca id # .. at one point in time i was called by XXXXpolice officer asking me if i want him to mail my id card to same address on the card, bec supposedly jt was comphiscated from someone whos been using it for cashing checks, openninh bank account, issuance of checks and others that can be easily obtain thru my card. And i dont think i filed anything against that wrongful act. And so many years passed, i realized why is it i can open no checking account, have a credit card and even getting trouble as far as going to jail ... this became so serious and i dont know how to clean it. Im XXXXyears old now and i havent achieved anything as far as my rights to have anything and evrything i deserve because of this particular individual who used my id to commit criminal acts. If im not mistaken shes also used my ss number. Her name was given by officer in processing my last encarceration : Name XXXX XXXX From XXXX XXXX, Ca Please help me.. 
XXXX Cell ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, Ca 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 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
Home Point Financial sent us the annual escrow account statement in XXXX which included the option of a catch up payment of {$2400.00} and a mortgage payment of {$2800.00} or a new mortgage monthly payment of {$3000.00} to incorporate the shortage in the escrow within our monthly payments. As we are paid several months ahead on our mortgage we made the following three payments : 1 )  XX/XX/18 {$2400.00} Escrow Catch Up 2 ) XX/XX/18 {$2800.00} New Mortgage Payment if Escrow Catch Up is Paid ( XXXX ) 3 ) XX/XX/18 {$180.00} Difference in XXXX Old & New Payment ( Old Payment {$2600.00} ) The problem is that the company applied the Escrow Catch Up payment to Principal and has yet to apply the {$180.00}. I went online and discovered the issue and called approximately on XX/XX/18 and was told it would be resolved. I went online again on XX/XX/18 to confirm the correction and nothing had changed. I contacted the company again and was told that my request for this correction was denied. Apparently, this issue is being moved to a Director for consideration. As the customer and consumer I am extremely upset about the way I am being treated and the way the company is handling their mistake. I welcome any assistance that can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
On XX/XX/XXXX I forwarded a {$1600.00} loan payment to Rushmore Loan Management Company. These monies were for one complete payment and a partial payment. On XX/XX/2018, Rushmore Loan Management electronically cashed this check. In XXXX I was getting phone calls stating my loan was in default. I questioned this as I had sent in the {$1600.00} payment. I have gone back and forth on this matter with Rushmore from XX/XX/XXXX to the current date of XX/XX/2018, with no resolution. Rushmore told me they would have to investigate this matter as they stated they did not receive payment. I called my financial institution to get a trace number so that Rushmore Loan Management could find this payment in their system. To date, I am being told this is under investigation. Two weeks ago, a XXXX XXXX 's bank representative and myself made a conference call to Rushmore loan management in another attempt to find out where this payment has gone. This phone call did nothing but leave me in the investigation phase. In the meantime, Rushmore is refusing to take any further payments towards my loan ; stating that one payment does not make up for what is currently owed. 

My house is currently under contract with a closing date of XX/XX/2018. Despite my constant attempts to resolve this matter, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$930.00} and {$980.00} dating back from 2012. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX  and the Texas Attorney General 's Office today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my mother received a notice of default from XXXX XXXX XXXX. formally none as XXXX XXXX now known as XXXX. Document # XXXX. Case # XXXX. At that point my mother requested a HUD Critical Circumstances Extension Qualification Approval. She  was soon Granted this request by HUD And I will provide and upload the original approval letter as well the transaction history sheet. They XXXX XXXX XXXX XXXX  still proceeded to sale my mothers property at public auction to XXXX XXXX XXXX, XXXX on XX/XX/XXXX a complete illegal and breach on contract because with the HUD critical circumstances extension being granted and valid through XX/XX/XXXX in witch this sale was recorded on XX/XX/XXXX. I am an authorized representative of my mother this I had to go through multiple channels for them XXXX   XXXX XXXX XXXX to admit and rectify there broken contact and wrongfully saling my mothers property at XXXX XXXX XXXX XXXX, CA,XXXX They informed me that the sale was recanted and that we had a repayment date of XX/XX/XXXX but they didnt give A payoff figure owed. The title company escrow officer XXXX XXXX/ XXXX XXXX have faxed over the proper request documents for the payoff first document was received by XXXX  on 1XX/XX/XXXX with a seven day processing time. Then a second payoff request was received by XXXX on XX/XX/XXXX. I was informed on XX/XX/XXXX by XXXX XXXX XXXX XXXX representative XXXX ( I D ) # XXXX that received both requests for the payoff amount and that the second request was a duplicate and that they had combined them and are to give the title company 1 XXXX XXXX XXXX the payoff. Please take into consideration that the house is in full contract and escrow and is due to close XX/XX/XXXX we have attempting to obtain payoff for nearly three weeks at this time and as stated I have a product ( the house ) to produce to the contractual party. If not by the end of escrow XX/XX/XXXX I could quite possibly acquire a lawsuit against me. My escrow officer, my estate attorney, my real estate agent and myself have diligently and patiently attempted to obtain what should be a simple business request and have been denied all attempts. I ask please that you help me in this urgent and most high matter of importance. Thank you so very much. Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In XX/XX/2018 i deposit a check of XXXX and in XX/XX/XXXX i ordered something from XXXX XXXX  the order did not go right so i canceled the order and told navy federal to expedite my funds back into my account so the did. Now they are telling me in XX/XX/2018 XXXX XXXX XXXX gave me the MONEY back. Navy federal would not admit the human error they still had my oops account open plus the were removing money from my savings to my checking without consent from me and i told them to stop and they did not and now its a human error that they are leaving me liable for their error and i ask that you will investigate my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXXXXXX XXXX  client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. Kohl's/Cap One and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of Kohl's/Cap One was made to the CFPB, a letter confirming the removal of the data was received however an Experian credit report obtained XX/XX/2018 still has Kohl's/Cap One listed in the hard inquiry section of the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The issue is with Bank of America Commercial Credit. They are intentionally causing unnecessary delays, have failed to provide clear and concise information on multiple occasions, and are withholding funds without my permission and refuse to do anything about it for an additional 50 days. This is or boarders on criminal.

I filed 2 disputes on my credit card at the end of XXXX. This prompted the merchant to work a bit harder with me to come to an legal settlement and agreement. Part of the agreement was I would cancel the dispute so the merchant would received the funds back so they could fulfill the orders. I called BofA to do so. The 1st person I spoke with told me the file was notated and everything was good to go. Nothing occurred. 1 week later or so I called back. They had no record of this. They then informed me that per mastercard rules they could notate the file BUT nothing would happen for 60 days. The quickest way to resolve the outstanding dispute would be to have the merchant and their payment processor to file all the requested paperwork. I was told by a supervisor on a recorded line that once Bofa received the paperwork on the dispute they would not fight it and simply send them back the money. After weeks of going back and forth and then waiting for BofA to do its job they told us the return of the claim was approved BUT they were going to hold the money for 50 days. Nothing in mastercards agreement or within my credit card agreement allow them to do this. I called and spoke with a supervisor- they had no clue that the claim was approved ( I have documentation ) and they denied the fact that they would hold funds for 50 days ( again we have an email stating such ). BofA commercial claims division is clearly incompetent. I am now in violation of my settlement with the merchant and everything that should have been wrapped up by now has yet to begin because of the intentional and irresponsible delays by BofA. I have filed complaints with them and they do nothing. Please assist in getting the money back to the merchant as was requested over a month ago.

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 2018-10-16 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. XXXX XXXX  and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of XXXX XXXX was made to the CFPB, a letter confirming the removal of the data was received however an XXXX  credit report obtained XX/XX/2018 still has XXXX XXXX listed in the hard inquiry section of the 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 2018-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I did get behind on my payments never heard anything from them till I got a letter from there lawyer I tried to call to see what I could do and the guy said nothing they want all the money or nothing I asked about getting help and he said you want the papers I said yes and he hung up on me I have contacted a lawyer and she XXXX try to call on my behalf and they hung up on her I waited and waited for the papers it took 3 weeks to get and still havent heard from them about 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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a call XX/XX/XXXX from chase notifying me that my card had fraudulent activity. While I was on the phone I was told someone was still trying to use my card at the same time I was starting a claim and reporting my card as lost. I realized that I must have left my card at a restaurant that I visited a couple days prior to the charges. 

My card was charged on XX/XX/18 {$400.00} from XXXX in XXXX XXXX And {$2.00} from a vending machine in XXXX XXXX Initially the charges were credited to my account and I thought it was over XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that I told the claims department that I had my card on me during the charges but I never told them that. I received another credit XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. 

XX/XX/2018 the credit was reversed for the charge of {$400.00} investigation noted that because my card had a chip the claim was denied. I received another credit after 3-5 days of reopening the claim. I do not know where they got the information that i had my card because I did not. 

I tried calling XXXX the customer service and also the store but they were not able to help me. They told me they could not retrieve transactions from the past. 

XX/XX/2018 I received another reversal charge of {$400.00} spoke to the claims departments once again and was told that they will reopen the claim and have someone contact me at this point I am livid because not once did they reverse the charge of {$2.00} that was apart of the same claim. I am ready to close this account because they are not even trying to investigate what happened back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am attaching a Screen shot of a call Received this morning. 
They are spoofing the call to make it look like my wife is calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
While reviewing my credit, there was a notification of a new account in collections. The account indicates that I owe {$260.00} and was opened on XX/XX/2018. To date, I have not received any kind of written notices indicating I owe said amount, furthermore, I have never been to a clinic named XXXX XXXX XXXX. 

No attempts to contact regarding this account have been made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
XXXX University XXXX had sign the Master Promissory Notes on XX/XX/XXXX and XX/XX/XXXX when I was not enrolled in their school at that time frame and took out eight loans without my knowledge four loans on XX/XX/XXXX XXXX and {$2900.00} that was split into XXXX XXXX that had continued on with four more loans on XX/XX/XXXX {$17000.00} and {$2900.00}. The school kept the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent dispute letters to XXXX, Experian, and XXXX since XX/XX/18 asking the bureaus to remove derogatory/inaccurate information from my credit report on the following accounts - XXXX XXXX, XXXX, XXXX XXXX, and XXXX. Since XX/XX/18, I have sent letters on XX/XX/18, XX/XX/18, XX/XX/18 to no avail. Per the FCRA, the bureaus have 30-days to respond and I have yet to receive anything. I am requesting that you look into this situation and have it resolved.

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 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Repeted calls Rediculas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I do not have the funds to pay back the loans. I just have enough money to take care of my bills each month with little of nothing left over. I need help trying to take of this matter. Having my students loans forgiven would be something I would need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX  are attacking me and forcing me to live in the streets and in XXXX   shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in 1995. When I left high school in 1995 my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.

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