vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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: FL

Complaint narrative:
Hello, This complaint is against Experian for reporting inaccurate information. I called multiple times : XX/XX/18 and and XX/XX/18 and asked them to remove the dispute comments. THEY CONFIRMED BOTH TIMES THAT THEY REMOVED IT HOWEVER THEY NEVER DID. 

XXXX XXXX XXXX and XXXX XXXX are the accounts with inaccurate info on my report. 
Today I called to see if comments were removed and they STILL have not did this. Please tell these people to do what they supposed to do.

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 2018-12-26 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
The Account from Ability Recovery Services has been removed from all credit bureaus with the exception of XXXX. I received a credit alert that the account was removed and then readded to my XXXX report in XXXX. 
Also, I have yet to receive any form of validation from this company as they allege. The date was also reaged.

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 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: MD

Complaint narrative:
I received a phone message from XXXX XXXX XXXX XXXX. They called me about debt related to a deceased family member, XXXX XXXX. I am not responsible for any debt he may owe. This phone message ( left on my machine ) sounded like a typical phone scam aimed at older consumers. The return phone number left in the message is XXXX. Internet research showed this phone message to be a scam aimed at older consumers. 

Mr. XXXX was my sister-in-law 's father ( XXXX XXXX XXXX ). He passed away in late XX/XX/2018. I am only related to him through marriage and not responsible for any debt he left. When I contacted my brother to report the phone message, he said that it was a scam. 

When I contacted the company to have my number removed from their call list, I was told that the consumer service representative had to " obtain permission '' to remove me form their call list. When I called again, I was told the same lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: NV

Complaint narrative:
I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!

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 2018-12-26 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: NV

Complaint narrative:
I am a victim of identity theft, the 3 major credit bureaus have broken fcra 605 ( b ) laws by leaving on accounts/public records on my credit report after i've sent them all the stated necessary documents & ftc police report deeming them as fraud due to i.d theft.

Each bureau has stated over phone with me that they've received and processed the documents but are still " under investigation '' beyond the four business days of receipt stated in the fcra 605 ( b ) law. I should not be held to credit disparity due to a identity thieve. These 4 fraud items i have listed in my police report should have already been BLOCKED!

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 2018-12-26 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: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The loan being serviced by Shellpoint was transferred to XXXX  XXXX XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan to XXXX ; however, my current credit report shows that the loan to Shellpoint is still open, as opposed to being categorized as " closed ''. I contacted Shellpoint and the customer service representative stated that they no longer service the loan that I needed to contact XXXX. I explained that XXXX shows the loan as being paid off but open with Shellpoint. The rep again stated that XXXX was faulty. and they could not help me. 

Loan No.XXXX Contact info : SHELLPOINT XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Phone # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
On XX/XX/2018 I requested a payoff amount on my auto loan through Credit Acceptance Corp, in XXXX Michigan. They faxed it to me, I then worked w/ my hometown bank to get a lower interest rate. 

On XX/XX/XXXX my bank sent the requested amount ( attached is the check ) Credit Acceptance cashed the check on the XX/XX/XXXX of the month. I spoke to them on that date and they said there was a {$10.00} balance that they would just get rid of and close my account. 

I thought the matter was closed. 

On XX/XX/XXXX I received a " hit '' to my credit report, as did my husband, who is also on the account for the car. 

I called Credit Acceptance and they said there was a balance and I was late for the payment ( according to documents attached, my payment is due on the XX/XX/XXXX of the month. 

I told them I was told by them they were going to get rid of the {$10.00} and close the account, clearly they didn't do that. They agreed to the wipe of money but then I asked what about my credit hit I took. They stated it was a valid dock on my account because I was late. 

If that were the case, I would have given them the {$10.00} that moment, but I do not deserve such a hit to my credit nor does my husband. 

I am unable to help how quickly they cash a check, or receive by mail. My bank sent it in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
on XX/XX/18 i signed up for a promotional account with citizens bank allegedly {$200.00} received for opening a " one deposit checking '' account if you set up direct deposit and made one deposit of {$500.00} in 60 days of opening account. on XX/XX/18 i made a direct deposit of {$500.00} to the new account. I contacted them at the end of XXXX and they replied 1 month later in XXXX and stated they had up to 145 days even tho the advertisement says 90 to pay out the promotion. In XXXX i went to the physical location rt XXXX XXXX NY and spoke to a bank teller showed them my correspondence with the bank and with my promotion. The teller said she thinks ive met the requirements and that it would most likely be paid nearer to day 145 like the message said when i had first inquired. Today XX/XX/18 i attempted to contact the bank again to ask if this would be paid out and they transferred me twice the second time hanging up from a hold system i called back and was informed the wait would be greater than 30 min so i sent them a online message from their web page and went to CFPB to file formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, XXXX, XXXX This is a formal complaint against Wells Fargo Bank. 

My credit and personal information was used with FRAUD purposes by Wells Fargo Bank from XXXX. 

Wells Fargo had settled a law suet for millions of dollars ; I file a clain to be compensated for damages and abuses made on my name and my line of credit. 

1- I call XXXX and made a verbal claim XXXX. on XX/XX/XXXX XXXX I requested a form and was fill out and sent via mail XXXX 

And until this time XX/XX/XXXX, I had not received the financial compensation promise by Wells Fargo Bank, after a settlement was agreed to pay to all costumers for unauthorized use of name and credit to issued false loans on homes, properties, and personal loans. 

All these transactions are still posted iat XXXX XXXX XXXX XXXX courts which had damage my creline record for life.

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 2018-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am being audited by the IRS for tax years XX/XX/XXXX and XX/XX/XXXX. 
I had a credit card relationship with three companies during that time. 
Capital One, XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX. 
I used credit for personal and business purposes. I ran into a tough stretch of time monetariliry that caused me to be late and eventually have to stop paying the credit card companies. 
I am currently in collection with all three. 
I am asking for credit card statements for XX/XX/XXXX -XX/XX/XXXX for all three companies. 
I have mailed certified letters. 
Sent email requests and called. 
Each time i am either hung up on or transferred to a collection company that keeps me on hold for hours and says they dont have the credit statements. 
I was moving my place of business and misplaced all these documents. Now i desparataly need them XXXX XXXX SSN XXXX I am asking for copies of statements from these three companies My wife XXXX XXXX 's SSN XXXX name was on the XXXX XXXX XXXX XXXX XXXX card I have deductions I could prove but am unable and these three companies - due to the fact that i still owe them money refuse to help/acknowledge/assist me in my mission to recover the statements from XX/XX/XXXX XXXXXX/XX/XXXX Please assist me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my previous business address was XXXX XXXX XXXX XXXX XXXX Nv XXXX they may have mailed statements there when i had the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: TX

Complaint narrative:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2018-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rapid Mortgage Company
State: OH

Complaint narrative:
XX/XX/XXXX : closed on home ( FHA/fixed rate 30 year loan with escrow ) XX/XX/XXXX : 1st Payment set at {$1400.00} a month ) with Rapid Mortgage XX/XX/XXXX : receive notice our loan is being transferred to XXXX XX/XX/XXXX : receive letter stating our monthly mortgage statement is increasing to {$1700.00} XX/XX/XXXX : receive tax bill stating we are past due XX/XX/XXXX : Call XXXX  and I'm told all taxes are paid, we have a shortage and this is why we have a significant increase in our monthly mortgage payment. I am also told to request a Escrow Spread of 24 months to lower our monthly mortgage payment back down. 
XX/XX/XXXX : reach out to Rapid Mortgage and they investigate XX/XX/XXXX : make payment to XXXX for XXXX while Rapid Mortgage is investigating. Rapid Mortgage then sends a check of {$620.00} to reimburse us and write another check of {$780.00} stating that they miscalculated the taxes at closing XX/XX/XXXX : I send the check to XXXX, I wait a week and follow up as it was never showing in escrow. 
XX/XX/XXXX : I call XXXX and I'm told they received it and that everything is correct. 
XX/XX/XXXX : I call XXXX again as the check of {$780.00} is still not showing in escrow. I am told that it wasn't allocated in the proper place. Stated they would correct it. They did. It showed in Escrow the next day. 
XX/XX/XXXX : XXXX adjust our monthly payment to {$1300.00}. ( I'm thinking because the escrow finally got straightened out ), I call and confirm my theory with customer service. 
XX/XX/XXXX : receive letter from XXXX that our monthly mortgage payment is now increasing to {$1800.00} and that it is due to an Escrow Shortage of {$3400.00}. 
XX/XX/XXXX : I reached out to XXXX requesting an Escrow statement and for explanation as to why an entire years taxes is showing as the shortage amount, I was provided an Escrow statement ( that makes no sense to me ) and told that there wasn't enough escrow payment per month to cover taxes. 
XX/XX/XXXX : I reach out to Rapid Mortgage. They did a brief look at the situation and stated that it is no longer their problem and that I need to work it out with the escrow department with XXXX and that my monthly payment should be about {$1600.00} a month based on the numbers they are looking at due to tax increase. ( Taxes have gone up a {$1000.00} since closing XX/XX/XXXX due to value of home increase. ) XX/XX/XXXX : reached back out to Rapid Mortage requesting that they correct the error made at closing regarding our Escrow shortage. They estimated our Escrow at {$160.00} a month and this is not enough to cover PMI, Home Insurance and taxes. Therefore, why we are having a significant increase in our monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, On XX/XX/XXXX, over XXXX dollars was taken from my checking account with Chase bank through a fraudulent XXXX transaction. I was told the issue would be resolved in 10 days by multiple agents including at the branch itself. They gave me a temporary credit of the money after I complained about the wait time but they made it clear that if they determine me to be at fault for this hack, they will automatically withdraw the money from my account again. 
Last week I called Chase because they accidentally put an extra XXXX dollars in my old account from a bank error ( admitted on their end ) and told me that I will just have to wait it out. I told them that the account was compromised and I needed the money out ASAP since it might just be taken again. They couldn't help me and I just needed to wait for it to be resolved which took over 24 hours. Luckily the money DID disappear ( I'm assuming Chase did it ) but they are still crediting money to the old hacked account ( such as vendor refunds and such ). On the same call I asked for a status on my claim and they told me I have an expected resolution date of XX/XX/XXXX. After I told them about how I was quoted 10 days, I was told they couldn't help me and after I asked for a manager, the rep refused to transfer me. I get that I have a temporary credit but this is money I can not spend since they made it clear they could take it back if they decide that I was at fault for the hack or they think it was valid. 
I've provided the email explaining the temporary credit and two call snippets. One admitting that they put money in my hacked account by mistake and the other telling me my resolution date. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
sent ftc and police report items are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
company XXXX XXXX XXXX contacted me. My number is on the donotcall list. they must be collecting from someone named XXXX XXXX. The social security number and addresses they have do not match mine. They should not be allowed to look up my name online and call me on a phone number that is on the donotcall list just because I have the same name as the deadbeat they are chasing. Is it ok for them to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: Conn's, Inc.
State: TX

Complaint narrative:
sent ftc and police report items are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have an impound account with my mortgage company to pay taxes and insurance for the home I currently own. On XX/XX/2018 the company paid the property tax erroneously on a property that I no longer own and failed to pay the taxes on the correct property I do own. I contacted the company on by phone on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. The company not only has not resolved this mistake but sent me a letter indicating that my mortgage payment will increase due to an escrow shortage.

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 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I had XXXX at the end of XXXX to remove a XXXX. It took me till XXXX to get back to work. I tried contacting Rushmore LM from XX/XX/XXXX until XX/XX/XXXX to ask for a repayment or payment plan. Every time i called Rushmore went through the prompts, 30 seconds later the call disconnects, this happened 10 times. I finally was able to reach them on the XX/XX/XXXX asking for a repayment or forbearance.. I went through a ten minute financial interview, the lady told me i needed to be two months behind. Said i didn't qualify at that time for those options yet they send me these resolutions. I tried to contact XXXX XXXX, my point of contact from XX/XX/XXXX till XX/XX/XXXX XXXX. 8 calls with no response. They have also violated my rights under the Respa law. Instead of keeping two months, they had 6 months as of XX/XX/XXXX. Stating they can do this> and have an annual review in XXXX. Then they tried to state they paid my hazard insurance of {$1100.00} in XXXX but is wrong amount and it's not do till XX/XX/XXXX and is paid quarterly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I call into the company they are not helping me over the phone.

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 2018-12-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I looked at my credit report and saw that i had 2 payments more than 30 days late from citi. I called citi and asked them if thats true and they said no. I disputed the delinquencies with XXXX  and when i get the results, citi is saying its accurate which its not. I tried calling citi to dispute the findings but they have absolutely terrible customer service and couldnt get a straight answer, i was on the phone with them for over answer, i kept getting transferred and nothing got 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