vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!

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 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
On XX/XX/XXXX ( incorrect date on letter but see fax receipt confirmation ) I sent a fax to Rushmore requesting my PMI to be canceled based on my house appreciation. Rushmore replied explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 %. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and asking the steps I needed to take to have my PMI canceled. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
on XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and stating that I expected them to present me with options or steps to take to have my PMI canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: TN

Complaint narrative:
Hello, Hayt, Hayt, & Landau law firm and XXXX XXXX XXXX are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to XXXX in XXXX from the state of XXXX. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the XXXX court system during a declared state of emergency in both XXXX  and XXXX. Upon figuring out what was going on, I attempted to call Hayt, Hayt, & Landau to resolve the issue and they informed me that they would send the accounts back to XXXX XXXX, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I reviewed my credit and found this account, which was reporting inaccurate information so I sent disputes to the credit bureaus and after a supposed reasonable investigation, they verified the account as accurate. I am disputing this because they are reporting inaccurate information this whole time! They have not responded to my disputes, or sent me the documentation requested! they have, however written me a check for {$24.00}, which verifies the inaccuracies! They have continued to report this despite the inaccuracies, and the fact that they must have done some sort of investigation to find a balance? The only other reason that they could have written a check for is my silence. My next step is to go to my attorney!

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 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XXXX I telephoned the loan servicer on my mortgage loan Mr. Cooper AT XXXX to ask for Financial Assistance to stop the foreclosure on my home. I asked for financial assistance and asked what I could do to stop the foreclosure. I asked if I could get a loan modification or forbearance. At first I was told that I could be sent a loan modification application and then as the call proceeded I was told that a loan modification or forbearance was not allowed by the holder of the Note because I have a FHA mortgage and that Mr Cooper only services the loan. I do not understand why I can not get Financial Assistance because I have a FHA mortgage. This information was provided by a Loss Mitigation Department employee XXXX who stated she was not required to give me her last name when I asked for it. I have a FHA mortgage and owe a little over $ XXXX on my balance. I am self employed and I have a financial hardship and need assistance to save my home from foreclosure. I want to save my home that I have lived at and been paying on for 34 years. I have paid on my home since XXXX and have a financial hardship. I need help and Mr Cooper offered me no resolution or options to provide me with any sort of financial assistance. I need the holder of the note to provide me with some sort of financial assistance to save my home. My interest rate is extremely high over 9 percent and the mortgage rates are lower than that. I really need help to save my home. Mr , Cooper says the only way I can stop foreclosure is to pay the full reinstatement amount which is over {$2600.00} and that they could not provide the exact dollar amount and would have to order the exact reinstatement amount and it would have to be paid within 24 hours. How is this any help? I can not pay that amount and need financial assistance to save my home. I feel as if they want to take my home rather than provide me any type of resolution or assistance to stop foreclosure and let me pay a reduced amount to save my home. Both the HUD website and Mr Cooper website claim they can help offer financial assistance to their customers if they have a hardship but they will not help me by reducing my loan payments and interest rate or do a loan modification or forbearance to save my home. Who can help me save my home since Mr. Cooper will not assist me with a resolution other than to pay an amount I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: IL

Complaint narrative:
I am not the originator of the item below. It should not be on my credit report. 


COLLECTION XXXX XXXX XXXX {$1000.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, XXXX, XXXX, & XXXX law firm and Capital One Bank are the companies at fault. They called before XXXX XXXX local time on Monday, XX/XX/XXXX. In addition, they sued me without providing proper notification due to the fact that I moved to TN in XXXX from the state of NJ. I received no notification of the proceedings. My bank account was then frozen on Friday, XX/XX/XXXX through the NJ court system during a declared state of emergency in both NJ and TN. Upon figuring out what was going on, I attempted to call XXXX, XXXX, & XXXX to resolve the issue and they informed me that they would send the accounts back to Capital One, but it could take 14 business days. Meanwhile, I am being forced to suffer with no funds available to me and no way to resolve the issue. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am a XXXX XXXX veteran who banks at Navy Federal Credit Union and I qualify under the federal mandate, Americans with Disability Act. In early XX/XX/2019, I tried to take out a second line of credit on my home. I was going to use a portion of these funds to help make my house more XXXX   accessible for my XXXX. Currently, my home setup exacerbates my health conditions. Over the next 3 months, I begin to see firsthand that the largest credit union in the United States, with over XXXX employees, the one that handles all our military and veteran banking needs is non-ADA compliant. From its website design, to their untrained employees, customer forms, directions and even their instructions all violate the XXXX XXXX XXXX that all business and public entities in the US must follow. The report that follows will show that Navy Federal Credit Union fails to adhere to the XXXX federal mandate. When finally confronted with the problem Navy Federal Credit Union then denies services and creates additional barriers to service, to eventually retaliation, where they locked me out of my account, keeping me from my Federally protected VA XXXX funds that I receive. Navy Federal Credit Union failed to trained their employees, nor hire a trained individual with XXXX expertise to ensure their companies compliance. By failing to do so, Navy Federal Credit Union has built an info structure that discriminates against people with XXXX. This should be alarming and troubling to every single American. The very people who are out their putting their lives on the line to protect and uphold the laws that govern the American people. These people who made the ultimate sacrifice and end up becoming injured because of their service to their country, these are the people Navy Federal Credit Union are exploiting and taking advantage of by not being XXXX compliant. With over XXXX employees hired to handle our Military and veteran Banking needs, they should be setting the standards in the banking industry and as a country we should demand it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/20 an XXXX was sent to the account in the amount of {$89.00} and didn't display until XX/XX/20. This caused a double payment to be made on XX/XX/20. This was resolved with the merchant and Bank of America was informed of the pending return. Dispite this mistake the account displayed positive {$27.00} through to XX/XX/20, which was when I discovered the error and contacted the merchant. At the same time, and most crucially, a payment of {$140.00} finished processing from the day before. The next day on XX/XX/20 the account received a fee of {$35.00} post-dated for the XXXX that the completed payment was going to be returned because pending transactions, including the disputed {$89.00}, had overdrafted the account. I informed the bank of the discrepancy and was informed that they would be returning the fee because of the error ( the check or returning a payment on a positive account ). After the weekend ended I inquired about when the returns would be made as, because of new transactions for less than the returning amount, they were still overdrawing the account even factoring in deposits made to the account and the pending return. I was informed that they would not return the money until the next day, overdraft fees would still be assessed, and that now the return of the fee for account errors was being denied ( and now all responsibility was soundly not theirs so the promised return was based only on a whimsical " relationship voucher '' that I apparently no longer qualified for ). 

So I'm making the complaint for the mismanagement of the account, the fraudulent fee, and and future fees assessed on the account because the returns aren't being made on a timely manner. 

I'd also like to note that this is NOT the first time I've had to report this bank for mismanagement of my account and the payment being returned is the third time my bank has specifically targeted payments from that merchant, another bank, causing the account to go into collections on XX/XX/20 because of returned payments.

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 2020-03-16 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: IL

Complaint narrative:
I am not the originator of the item below. It should not be on my credit report. 


XXXX XXXX XXXX XXXX {$1000.00} not mine

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 2020-03-16 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: IL

Complaint narrative:
I am not the originator of the item below. It should not be on my credit report. 


COLLECTION XXXX XXXX XXXX {$1000.00} not mine

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I got multiple reports related to XXXX XXXX in the past using the same account which i disputed and resolved with multiple collection agencies, but now NCA has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Made a purchase at XXXX as a gift, was informed by the recipient that items were missing. Recipient then tried to return the item to his local XXXX where they refused to accept the item indicating the item was sealed and shouldn't be missing items to instead contact XXXX. 

I purchased the item at XXXX not XXXX they are reasonable to insure I receive everything I paid for. 

Informed AMEX about the situation and performed a charge-back due to XXXX 's refusal to exchange the item. Amex ruled in favor of XXXX due to XXXX 's statement that " all items are tested before sold ''. If that is the case then it explains why items were missing, someone at XXXX kept or misplaced the correct item. 

Evidence attached. 
1 ) Photograph when attempt was made to return item. 
2 ) Social Media post explaining XXXX has a history of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
I got multiple reports related to SPEEDY CASH in the past using the same account which i disputed and resolved with multiple collection agencies, but now XXXX has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keystone Credit Services LLC
State: PA

Complaint narrative:
I applied for a mortgage and got denied because of an account that I've never even heard of, so I did my research, learned from the internet, that I have to dispute the account with the credit bureau that is reporting it, which I've done, and the account was VERIFIED as accurate. I then found a dispute letter and mailed that directly to Keystone, to which they have recently replied. I mailed the dispute to the address reported on my credit report. XXXX XXXX XXXX XXXX XXXX, PA. If I XXXX search that address I can find Keystone collections as well. SO they mailed me a response telling me that they received the letter, provided me with a better address to contact them and told me that I did not supply enough information to process my dispute, however the account still appears on my credit, from their company. If they can not process a dispute in reference to the account, they can not verify it to the credit bureaus. Fairly simple, they have violated the FCRA and FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
During the change of the loan server Mid America Mortgage changed from XXXX XXXX to doing the collecting of mortgage payments through their company. And from the start it has been a disaster. The don't reflect the true balance of my payments when I get a monthly statement. My statement keeps reflecting {$1700.00} dollars a month which should be XXXX a month. My payments are current but the statements are misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: LA

Complaint narrative:
On XXXX the XXXX-2020 at XXXX. send and email to company about financial situation.ask them not to withdraw funds from account because of limitation. Then put a block on the account with my bank. XX/XX/XXXX they still. withdraw. $ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a Merrill Lynch account ( XXXX ), a company who belongs to Bank of America. I received a XXXX Check Written statement which is completed wrong. It shows that I wrote 4 check with a total amount of {$620000.00} ( XXXX XXXX XXXX XXXX XXXX  dollars ) for XXXX. I never have this amount of money in my account. 
I called Merrill Lynch on XX/XX/XXXX and on XX/XX/XXXX and asked them to correct my statement and send me a correct statement. They refused to correct my statement. 
I wrote a check on XX/XX/XXXX for the amount of {$200000.00} and another check on XX/XX/XXXX for the amount of {$25000.00}. Giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX XXXX dollars ). XXXX XXXX XXXX XXXX XXXX dollars is the correct amount from 2 checks that I wrote for XXXX. 

I submitted an initial complaint done on XX/XX/XXXX through the XXXX. However this Complaint Case # XXXX has been closed by XXXX  on XX/XX/XXXX, due that Bank of America planning to respond me. 

On XX/XX/XXXX, I received a letter from Merrill Lynch which I am not agreed in his content. Nothing of this document explains or are related to my XXXX Check Written Statement, which is the main reason of my complaint against Bank of America. 
What I am requesting is to receive a correct statement that I made only 2 check transactions : One on XX/XX/XXXX for the amount of {$200000.00} and the other on XX/XX/XXXX for the amount of {$25000.00}, giving a total of {$220000.00} ( XXXX XXXX XXXX XXXX dollars ). Bank of America " inflated '' my transaction statement up to {$620000.00} without a reason or prove. 

You are an Institution to receive compliant from people, follow the results and satisfaction from clients and correct companies as Bank of America of mistakes or errors to prevent to do again to new clients.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TIDEWATER FINANCE COMPANY, INC.
State: LA

Complaint narrative:
BEING DENIED EMPLOYMENT

Company response to consumer: Closed with explanation