vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
Recently, I presented an offer as full settlement of default foreclosed judgment amount of about {$42000.00}. I forwarded an offer of about {$44000.00} cashiers check as full settlement. I understand that Rushmore denied the offer without contacting XXXX XXXX XXXX  XXXX that obtained the assignment from XXXX XXXX at the time my chapter XXXX bankruptcy was still active. 
Rushmore LMS continue to fully engaged in unfair business practices and relying on their lawyer influences to dubiously sell the property in sheriffs sale because their lawyer relied on the judgment obtained in XXXX to manipulate the legal system to get the property sold in sheriffs sale on XX/XX/XXXX. 
Rushmore LMS business practice is deeply disturbing and fraudulent. They falsify statements and created escrow accounts, inspection fees to the extent that they are presently demanding {$67000.00} instead {$25000.00}. 
I demand for full detailed of the accounting but Rushmore refused and also refused to provide XXXX XXXX XXXX  XXXX. Exhibit A attached represent the 4 letters sent to post office for collections as registered mail which I regularly signed for. The letter doesnt have reliable contact information. FTC I need your help! 
Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: AR

Complaint narrative:
XX/XX/2021 Capio partners I have called and asked several times to send me a letter in writing they will not send me a letter in writing they said they would send me an email and I would need to pay over the phone and they continue to call and call and call and I continue to ask for it in writing and they deny me I will not pay over the phone and they will not send me a letter in writing. I have tried to clear this debt up but I will not do it over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX  I noticed my bank account with Bank of America being closed without any notice. I spoke to fraud department & they advised to get in contact with a department that needs to speak to me but I have received no information about this. Also I had funds ( {$200.00} ) in this account that I can not access 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 monetary relief
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX/XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on XXXX. I am requesting that a follow up be made to make sure this XXXX/XXXX file is removed from XXXX  AND EQUIFAX ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.

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 2021-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TradeStation Group, Inc.

Complaint narrative:
i deposited money into their account in XXXX XX/XX/2021 and it was the last time i saw it.i was told to send another XXXX if i want my profit .and i asked for my refund and they refuse .i want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Company ( ERC ) LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3100.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with Enhanced Recovery Company LLC. ERC does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On a XX/XX/2021 I applied for the Freedom card on the Chase App. The enrollment offer was clearly stated on the app as ( 1 ) the XXXX point offer and ; ( 2 ) a promotional 5 % grocery store offer. I read the terms and it seemed that I would be eligible for the bonus. Once I received the card, I noticed the bonus was not applied. I wrote Chase a secure message requesting reasoning why I did not have the bonus on XX/XX/2021 and XX/XX/2021. Chase responded that I did not click a link necessary to claim the offer. This is false. The offer was clearly extended to me and I was induced to apply for the card over overs because of the offer. I called Chase during the week of XX/XX/2021 to request the matter be escalated. On XX/XX/2021, Chase sent me a letter in the mail which provided no information other than that I was not eligible. Chase provided no legitimate reason I was denied the bonus. 

I have a screenshot of the exact page on the Chase app that I clicked to apply for the card, which I accessed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The credit card company has denied my fraud dispute. They gave no explanation .They arbitrarily denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$920.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. LVNV Funding LLC does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: NC

Complaint narrative:
Collection is not from original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. XXXX XXXX XXXX XXXX does not have a contract with my signature and I do not owe them a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have business and I try to open credit Card Citi Bank Costco, but I always get a refusal even if I have a good credit level ( on XX/XX/2021 XXXX  XXXX, XXXX  XXXX ( see attached ) ). Bank unable to approve application because : " A bankruptcy was recorded on your credit bureau report ''. 
I consider this to be complete discrimination, if a person had bankruptcy for life reasons, in my case there was a business robbery, this does not mean that I am no longer a person and do not have the right to receive credit cards at the same time other credit companies open credit cards without problems. 
Application ID 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 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$610.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: Shellpoint Partners, LLC
State: ME

Complaint narrative:
My mortgage is serviced by Shellpoint Mortgage. I exited forebearance XX/XX/XXXX. We were on forebearance due to XXXX, both my husband and I became XXXX  and my job was lost due to the pandemic. I recently gained full time work and we contacted Shellpoint and followed all directions to exit forebearance, modify the loan and restart our payments. I have made 2 trial payments and will complete my third trial payment in 1 week, all within 45 days, ahead of the three month schedule provided.

Shellpoint Mortgage reported my account to all credit agencies for delinquent over 30 days for the full amount of the forebearance back pay owed, {$32000.00} on XX/XX/XXXX. No mention is made in the credit report that I am in trial payments, current on trial payments and awaiting the final documents to modify loan. It does not mention that I was in forebearance due to COVID. My credit score dropped almost 100 points severely affecting my families ability to complete a refinance of the same mortgage to bring it current. I have a XXXX federally backed loan. 

I am not currently delinquent on my account and the report was not an accurate or necessary step by Shellpoint mortgage service. I contacted Shellpoint Mortgage and they sated this was allowed because they are reporting the " true '' facts of my mortgage. I asked how I could have prevented this reporting. I was told that only if I had made a lump sum payment of the total amount of forebearance and brought the account current would have prevented me from being reported delinquent on my account.

Shellpoint suggested I focus on my repayment and not my credit report in our correspondence. I have spoke with the HOPE hotline and CFB and was advised the report of delinquency on my credit report was not consistent with direction provided by XXXX XXXX to mortgage servicers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been trying to ask for a verification the the debt they claimed I owe for {$360.00}. National Credit System never even bother to respond to me even when I sent them a letter that they received on XX/XX/20 with tracking number XXXX! It has been a year and they never responded to my mails. I have been sending them a mail and according to my research online they need to respond and validate the debt. I am so tired of sending letters. Help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Citizens Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have been trying to ask for a verification the a debt they claimed I owe for {$9700.00}. This company never even bother to respond to me even when I sent them a letter that they received on XX/XX/21 with tracking number XXXX! I have been sending them a mail and according to my research online they need to respond and validate the debt. In addition to this, the amount of the debt shows in my credit report are not consistent. Why are they doing this? Where are those amount coming from? The balance reported when they first put in in my report is different from what is currently reporting. Please help me with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with US Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but US Bank made me purchase insurance separately.

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 2021-08-29 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: IL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: IL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.

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 2021-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We closed our refinance with Citi Mortgage back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to XXXX XXXX the escrow company that closed our loan. When I reached out to XXXX  XXXX for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to Citi as per their request. 
Until today I have not heard back from XXXX  XXXX or any one from Citi regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.

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 2021-08-29 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: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
I have a credit card account they have sued me for a judgement back in XX/XX/2016and now reporting it on my credit report. Is it ok to report the original debt on my credit and also have a judgement with fees and other charges on my actual credit report. If I pay off how do I get a resolution to the judgement? XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: FL

Complaint narrative:
Please do dear help, It appears to me that this consumer reporting agency is committing several acts of fraud. They've created fraudulent accounts on my name. I've disputed the information several times and this company still refuses to handle the situation in accordance to the FDCPA. It is illegal and incompetent for XXXX XXXX TO continuously assume a essential role but only to report fraudulent accounts of consumers. They've never sent me investigation status and results in due time. They violate me of my human God given rights. They violate me in accordance with the fdcpa and ignore there civil liability. There disgrace to society and to uphold their assumed role is detrimental to me in my private dwelling. Due to their actions I've been deemed of my rights as a consumer to extend credit because of their physiological warfare schemes and tactics to infiltrate me the consumer in to undermining my God given rights. I never given XXXX XXXX any permissible purpose to publish my private information as I the consumer has the right to privacy. Please help as XXXX XXXX is shadow casting onto my estate and depriving me of my human rights.

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