vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have had my mortgage with US Bank since XX/XX/2016. I pay my monthly payment each month. Apparently in XXXX, my payment increased from {$1500.00} to {$1500.00} due to escrow or something. I didnt receive a notice in the mail. ( Im not saying they didnt send me something, I just did not receive anything. ) Honestly, I question the timing and increase considering it all happened around the same time others became unable to pay their mortgage. My payments are automatically sent via bill pay from my bank, so my payment for XXXX was sent over and it was apparently {$30.00} short so they placed it into a payment in suspense account and assessed a late fee, as they would not apply it to my bill. In XXXX, they received my payment for {$1500.00} and applied that to my XXXX balance and took {$30.00} from the payment in suspense. Applied another late fee because they said I didnt pay my XXXX bill. This went on and I tried calling them weeks ago, but wasnt able to get in touch after waiting on hold for 45 minutes. I finally got ahold of them today and it took me over an hour and four different associates to reason with them to waive {$200.00} in late fees DURING A PANDEMIC because apparently my payments were a bit short. I told them I would be happy to pay the difference right then, but their portal does not allow partial payments. 

Its ludicrous they are treating people like this during a pandemic. I am very fortunate and I am able to pay my mortgage and I was able to reason with them, but others might not be. I warned them I would be reporting them for this.

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 2020-08-04 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-04 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM VICTOM F AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL REQUIRED PAPERWORK TO THE BUREAUS AND TO THE BANK BUT SEEMS LIKE THEY ARE PLAYING GAMES AND TREATING ME THE CONSUMER AS A LITTLE KID, EVERY TIME I CALL THEM EITHER THEY DON'T HAVE NAY INFORMATION, THE ACCOUNT SHOULD BE REPORTING, THEN THEY ASK ME FOR IDENTITY THEFT REPORT, WHICH I SUBMITTED NUMEROUS TIMES, NOT ONLY I GAVE THEM THE IDENTITY HTEFT REROT, I ALSO GAVE THEM POLICE RPEORT. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT REPRT.

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a member of Citibank since XXXX. Today, I received an email saying that my account was closed. In my 22 years with Citibank, I have never been late, and never not paid my statement in full. Perhaps one or two times, did I have a service charge for cash advance fees. Essentially, I was a model credit card holder for the company. Then, today, XX/XX/XXXX, I received an email that my credit card was closed. I thought it was a mistake as I have had no problems with Citibank. I called and they said I had not used my card since XX/XX/XXXX and they closed it on XX/XX/XXXX. I did not have any warning and never was informed that I had to use my card during the Pandemic or during tough financial times in order to keep my account open. When I called to try to get my card reopen because it is the oldest card on my account, and would have a negative result on my credit report, they would not do so. They were unapologetic and did not care at all that I had been a member for so long. And the representative " XXXX '' said that they have a right to cancel my account at anytime and for no reason.

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I am facing foreclosure on the home I have owned for 14 years because of misrepresentations and unethical foreclosure practices by my loan servicer Rushmore Loan Management. I have tried repeatedly to be reviewed for modification, forbearance or retention options but instead of conducting an assessment of my current financial circumstances I am given the runaround. Each agent I speak with tells me I am eligible and can apply, and when I do a different agent tells me that I need to document more income to qualify. I tell them that I provided additional income in my paperwork, but they refuse to look at the information and I am stuck in a hamster wheel unable to escape as Rushmore misleads me and pushes me into foreclosure. 

My husband I purchased this home in 2006. We paid our mortgage as agreed with no issues until my husband took his own life a few years ago. Besides the grief and heartbreak I was also put into a difficult financial position since I was now the sole breadwinner. I kept up with the mortgage payment as long as I could but as I struggled I reached out to Rushmore to consider me for a loan modification. Instead of conducting a review of my current financial circumstances, I have been repeatedly blocked and denied. It is beyond frustrating. I have a good paying job as a nurse, and we paid our mortgage on time for 11 years. As explained, my husband was distraught and took his own life and this created a difficult situation for my family. I began reaching out to Rushmore to see if they would work with me towards a loan modification but I got the runaround, transferred from department to department and every person telling me something different. I applied for help on multiple occasions, but no one ever reviewed my financial information. The Rushmore agents tell me that in order to qualify I have to provide additional income. I have provided this information as I now receive SSI income and have family members renting rooms in the home, but their agents refuse to consider the change in financial circumstances or even look at the documentation. I have the desire and ability to pay, and if Rushmore was to complete a fair and transparent review of my current financial circumstances they would see that I qualify. Instead, they keep ignoring me and giving me multiple excuses and making misrepresentations about what I can do. The entire time I am falling farther behind and at risk of foreclosure. This is an avoidable foreclosure and there are multiple options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am trying to get a mortgage loan. My loan officer went through a company called XXXX to pull my reports through the three bureaus. The only one they have not been able to pull my report from is Equifax because apprently my report is " blocked '' - not locked, not frozen ... BLOCKED. I can't tell you how many calls I have been on, how many hours on hold, how many people I have spoken to. None have been helpful. It takes about 15 minutes just to get to the point where they will verify my information. It has been a huge frustrating waste of time. I even found on person who seemed helpful and then he hung up on me. From what I gather, all I need is for Equifax to update my address. Right now they have my PO box on file, which is correct, but not enough. I have already escalated this twice and have waited weeks. Now we are down to the wire with my loan and I can't wait 7-10 business days for them to make a small change. I have faxed in documentation to prove my identity and the address but can't get anyone on the phone who can see that I have faxed this in. I just need a real person who cares to help me or I won't be able to get my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
They wont let me connect my XXXX account to my PNC bank account. Im tempted to bank elsewhere and In the meantime will have to figure out how to fund my bitcoin wallet for investing. Banks should make things easier, not harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: NC

Complaint narrative:
on XXXX i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later i haven't received a response yet. i feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.

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 2020-08-04 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: GreenSky, LLC
State: IL

Complaint narrative:
We purchased windows for our home Via a loan in the winter of 2019. The conditions allows us to pay off the loan in 2 years without the penaltyOf accrued interest. We have been making payments on the account, so far we have paid {$7000.00}. On all credit 3 credit reports the paid amounts are not being applied to the outstanding balance. The balance shown, is the original balance. I am seeking resolution in this matter. Thank you XXXX XXXX

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 2020-08-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2020 I applied for a Sunoco fleet credit card for XXXX under the XXXX I own, XXXX XXXX XXXX XXXX. I used my XXXX name and EIN number for the application. The application did require my name, address, percentage ownership of the company and social security number but since I was applying for a Sunoco fleet credit card, I used the EIN number for the business and not my social security number. Soon after applying, I received an alert from XXXX XXXX that an inquiry hit my personal XXXX  report. I'm not even sure how that's possible when I entered an EIN number and not my social security number. In addition, once you enter the EIN number, it gets encrypted so you can't even take a screen shot to prove you entered an EIN number. It also doesn't take you to a summary page, like most applications, to review the data before submitting. I want this inquiry removed from my personal XXXX   report as this is quite, if unintentionally, deceptive.

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 2020-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was listed in the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
Collection company is attempting to collect a debt for which I do not owe them. Nor have I made any agreements or done anything for them to believe that I owe them anything, Moreover, they placed these erroneous debts on my credit profile several times before and they keep removing them and adding them at a later date. This has to stop! I believe its criminal at this point because they are intentionally trying to destroy and lower my credit score by submitting alot of collection notices on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: NC

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Saturday XX/XX/XXXX I was locked out of my chase bank account. Monday, XX/XX/XXXX, I called and spoke with someone to see what the issue was, and I was told I had to take 2 forms of I.D into the Chase Bank location which I did the next day XX/XX/XXXX. The banker instructed me to call the online support for help in which I waited around the bank 3 hours on hold waiting on someone to help me just for online support to tell me the banker has to call, even though the banker was right there with me and willing to speak to them. So, we tried again the next day XX/XX/XXXX in which the banker actually sat on hold waiting on support for over 1 hour and 45 mins. Absolutely nothing was handled, because no one ever answered and I had to go pick up my wife. I tried again the next day XX/XX/XXXX and the banker went ahead and scheduled for me to come in between the time of 10 - 12 to speak to the branch manager who never showed. All of this for me to be told there is nothing that can be done. My account has been locked 3 going on 4 full weeks. My work direct deposit is attached to this account. During this pandemic it's bad enough we are living paycheck to paycheck, but also it is time for bills to be paid and I have no access to funds to pay them. We have been scraping and struggling to feed our XXXX year old child when we have funds to do it. At this point it's beyond ridiculous. I need to verify my account so I can get it unlock so I don't lose my home, and can put food on the table for my family. I can't access my mobile app since they have locked me out, so it's impossible to email or get in contact with anybody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with XXXX as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.

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