vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THEY HAVE ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
On XX/XX/2019, Both XXXX XXXX & XXXX XXXX launched the same program for home retention called " The XXXX XXXX Loan Modification, see attached herein. I have included a copy of the XXXX Reference guide for your review. The program was intended for all conventional loans and therefore servicer 's must adhere by the program reference guide. The financial information and sample provided below proves that we qualify for the XXXX loan Modification : XXXX {$580000.00} ( appraisal Value ) = {$580000.00} {$700000.00} ( Post modification gross UPB ) - XXXX XXXX ( forbearance amount ) New Loan Amount XXXX extended to 40 years 3.64 % PMM rate on XXXX XX/XX/2019 Principal & Interest = XXXX + escrow XXXX PITI {$3300.00} PITI {$3300.00} divided by Monthly Income {$10000.00} = Debt to income Ratio is 0.32 % Less than 40 as it is required by the program. 

Rushmore claims that can not offer a loan modification because we have applied in the past and have been denied. it is irrelevant that we have applied in the past, Rushmore should have approve the loan mod the first time. We qualified then and obviously qualify now. Rushmore are ignoring all loss mitigation options in XXXX Florida and should be investigated for engaging in Florida deceptive business practices. We demand that the lender complies with the XXXX program or get rid of this loan to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tri-Counties Accounts Adjustment Bureau
State: ID

Complaint narrative:
I moved out of my house on XX/XX/XXXX and I had contacted XXXX XXXX XXXX XXXX that the bill was incorrect on XX/XX/XXXX and spoke to XXXX and she said she would look into it told me that his wouldn't be sent to collections, or credit agencies. My boyfriend was then contacted XX/XX/2018 via is phone number, He has an out of state number and address compared to mine and a different last name. He was contacted by Account Recovery Services, the person identified themselves as XXXX XXXX. 
I have a time/date email that my boyfriend sent to me that he received a call from XXXX XXXX at Account Recovery Services XXXX at XXXX on XX/XX/2018. Here is what he told me occurred : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. 

<I received a call from XXXX XXXX She was looking for XXXX XXXX. 

She asked if I was her husband I said no. She then asked if I new about the XXXX XXXX water bill that was due and that she was with Account Recovery Service. XXXX owed {$520.00} I said the only thing that I know is that I never lived in XXXX XXXX and I don't owe it so why are you calling me? Then she asked for XXXX 's number. I said give me yours and I will try to give it to her if I see her ... she gave me XXXX. 

I asked if this is going to be reported to credit? she said no. I said is this call being recorded? She said no. 

Side note : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. She should have never shared your information with me! > The above was all from my boyfriend and I am not pleased with them sharing my personal information and I know that it's not legal! Not only is this a violation but it was extremely embarrassing and was my private information, I had absolutely no other negative infractions on my credit report and this has been a constant stress and impedes my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( CLOSED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: IL

Complaint narrative:
I requested a " payoff letter '' of the reverse mortgage in XXXX. I received the payoff letter and it stated it was good till XX/XX/19. I sold the house on XX/XX/19 and requested another payoff letter so I could close on XX/XX/19. I rec 'd automated reply stating it takes XXXX business days. I called on XXXX to ask where it was since I closed but the title company will not release the funds until I get a final payoff letter. She asked when I wanted the payoff till????? I said today so I can email to my attorney. She emailed to my office encrypted to XXXX XXXX XXXX, I could not open Adobe Acrobat..it stated it was a prohibited access. I tried to forward to my lawyer and home email, it would not forward. I requested they fax to me, I never received the fax. I called on XX/XX/19 they said they had to reissue a new payoff letter since it expired on XX/XX/19. I asked for supervisor..none were available. She stated she would try to get through. XX/XX/19 nothing has come. I called them again ... same drill. The interest and fees keep accruing and I feel this is a scam

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have had Best Buy Credit card for a long time. 
I have set up auto bill pay with XXXX  XXXX XXXX so every XX/XX/XXXX of the month, the card is paid. 
About 20 months ago, I experienced the same issue. They charged me for a bill past due. 
The interesting part is that i had been paying $ XXXX/month without any purchase. They went into my account and cut me a refund check that never arrived, about {$1500.00}. When I went to the store to buy a merchandise, the credit card had XXXX balance, rather than {$1500.00}. I asked them to void the check and put the money back into the credit card as credit. Well, they didn't do it, they charged me fees, and I had to come to CFPB to clear the issue. They have yet to make full payment of that balance ... 

Now the issue is the same ... they have charged me twice a {$31.00} fee for not paying the recurring bill. They called me this week ( about 2 days ago ) to complain about a past due balance from XXXX. They were claiming they never received a payment. I asked the collector ... Did you see a payment posted every single month, on the XXXX? After 10 minutes fetching in the system, he realized that the payment had been made, but unfortunately Citi 's system received it as a prepayment for the previous month, and not for that month. I explained that that is their problem, and not mine. That they had already asked me to change my recurring payment 20 months ago for the very same problem. Well, if I make monthly payments religiously, why would they still charge me {$31.00} as fee? Citi 's system is clearly broken and I shouldn't be getting nasty calls from their collections team accusing me for past-due amounts when clearly payments are being made, as they have been for the past decade. I just feel that I, as a consumer, shouldn't be bugged for automated systems that have little to no intelligence, and ends up being accusatory and disrespectful. 
Given that this is the 2nd time this is happening, and that they have already not fully credited me for the {$1500.00} in the past, I feel this complaint is well deserved. 
Thanks!

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 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
The company identified itself to me as XXXX XXXX XXXX from the number XXXX. They actually contacted my sister in law on her cell phone to message me. When I called the number above they left, a representative, XXXX XXXX, verified my social security number. She offered this number, it was not supplied by me. She claimed to be collecting a debt owned to HSBC Mastercard of {$2000.00} approximately incurred in XXXX of XXXX. When I requested information in writing she became aggressive and said if that was my social that I could not dispute the owed amount and would have to wait for my soupena to court and the charges would increase to {$8000.00} or more. XXXX also indicated that HSBC had closed the account, written off the monies due and deleted the file and would not be able to respond to inquiries regarding my account. 

I contacted them at XXXX re : file # XXXX today XX/XX/XXXX at XXXX. I have never held credit with HSBC or any other Mastercard  bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a 10-year, interest-only loan serviced by Fifth Third Bank ( XXXX XXXX ). It's 7-year fixed rate period has expired and it now enters ( per the Note-attached below ) 3 ; 1-year periods of a new fixed rate. The new rate should be equal to One-Year LIBOR plus 2.25 % rounded to the nearest 1/8 %. The re-set date is 45 days in advance of the-set date ( XXXX XXXX in this case ). The re-set date should have been XXXX XXXX of this year. That was a Sunday so the last day of a current LIBOR rate was Friday, XXXX XXXX. The One-Year LIBOR rate at the close of business that day was 2.05 %. My new rate should be 4.25 % : 2.05 % + 2.25 % = 4.30 % -rounded to the nearest 1/8 % is 4.25 %. They calculated the new rate as 4.375 % ( see rate re-set letter attached ). I believe this is in error and have called the Bank 3 times. They have not called me back and have not shown me their calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax erroneously reported a credit card not belonging to me in my name. Equifax reported a 5 figure charge on this same credit card causing my FICO score to drop by 31 points. I reported the error to Equifax and they removed the card from my credit file ; however, they have failed to and refuse to correct the 31 point drop in my FICO score. This error including the FICO point drop was a direct and sole result of Equifax 's mistake. When I called their Consumer Care phone number the rep told me that Equifax no longer works with FICO and that they would not assist me with this issue. He then hung up on me. I faxed a follow up letter directly to Equifax but have not received a response. This needs to be correct. Their mistake is causing me both financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I made 8 payments of {$210.00} the balance reported it's wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NC

Complaint narrative:
My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both equifax and XXXX  # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: NC

Complaint narrative:
My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both XXXX  and transunion # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prosper Marketplace, Inc.
State: MT

Complaint narrative:
I currently have a Prosper Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with Proser anymore since it's not going anywhere, Note : I was told by Prosper that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This investigation about my collection account XXXX XXXX, XXXX is on my XXXX, Equifax and XXXX XXXX. It is shown deleted in XX/XX/2019 but the account shows closed on my XXXX  and Equifax and shows open on my XXXX XXXX account. I have proof that it was deleted from my XXXX  and Equifax through XXXX. It supposed to been deleted from my XXXX, Equifax and XXXX XXXX for good. I been fighting this for 3 years or longer with XXXX, Equifax and XXXX XXXX. The XXXX XXXX, XXXX been deleted since XX/XX/2019 its XX/XX/2019. This doesn't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: PA

Complaint narrative:
I signed up for the Ace Flare prepaid card. When I signed up there was an offer that advertised an account opening bonus of {$100.00} after you had a direct deposit within the first 60 days of {$500.00} or more. The bonus would be paid in 30 days from that. 

It has been not only 30 days but even 30 business days ( I was told this after I inquired after 30 days ). Then they told me I needed to have a {$500.00} direct deposit for 3 months in a row, although I can find nowhere on the terms/conditions where this is listed. 

I have contacted them several times but the agents were either unaware of the offer ( still listed on their website, by the way ) or were saying things about the 3 months of offer.

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 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXXXXXX XXXX XXXX hauling XXXX.to ask about XXXX XXXX my husband and XXXX   stephfather how to reach XXXX XXXX is XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is Harrasement. 
XXXX Ph # XXXX ext.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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