vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have credit monitoring service with Experian. The member # is XXXX. I have no lates since my Chapter XXXX filing XX/XX/XXXX. All lates according to Experian 's XXXX XXXX show pre filing. The monitoring service on XX/XX/XXXX modified the time since negative from XXXX years to .1 years. this caused my score to drop XXXX points from XXXX to XXXX. Saturday XX/XX/XXXX XXXX. This is negatively affecting my credit worthiness and is in violation of FCRA. THe time since negative used in their scoring model of .1 years is wrong as is the 6 lates that is related to 1 account and is almost XXXX years old and they refuse to correct the only 1 account late. THey feed the creditors time late 6 in last 2 years which is also incorrect. This is negatively affecting me and Experian refuses to correct these errors with the scoring and monitoring service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase credit card. When we are late paying which a lot but we always pay, they call the house phone and my cell phone. They are relentless. We always pay. I know if we paid on time we would not have this problem but given that we always pay. It's outright harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 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: CA

Complaint narrative:
Equifax misused of credit file. Disputing accounts that I did not request. Making faults statements on my credit file. 
Tried to communicate with the supervisor XXXX and The CEO XXXX. No response from either one of them regarding the misused of my credit file. 
XXXX XXXX XXXX card Equifax had went behind my back to dispute and Good Credit on file that had been PAID OFF years ago. XXXX XXXX XXXX card. Last reported from creditor XX/XX/XXXX Pays As Agreed. The account been CLOSED as of XX/XX/XXXX and last payment to the creditor XX/XX/XXXX. Credit in good standing. I do not know why Equifax decided to dispute the account behind my back on XX/XX/XXXX and took out PAID. I had been communicating with a dispute specialists by email. XXXX XXXX. She did not remove the dispute remark and put PAID back on the account. Instead she put another dispute on the account XX/XX/XXXX left out PAID. Then on XX/XX/XXXX the remark Went back to Account closed at consumer request and added Consumer dispute after resolution. and put Transfer/Sold and left out PAID. Because of the disputes that I did not request. My credit is damage because of it. 
XXXX XXXX The last reported date from creditor was on XX/XX/XXXX over 2 years ago. The creditor had sold the debt to a debt buyer who had lost authority to report anything to the account. 
Equifax had went behind my back to dispute XXXX XXXX just to modify the account on XX/XX/XXXX. and again on XX/XX/XXXX. I had file a dispute on the account that started XX/XX/XXXX regarding unauthrized dispute on XX/XX/XXXX. .Tried to communicate with Equifax XXXX The account again was in dispute on XX/XX/XXXX and again on XX/XX/XXXX to prolong the XX/XX/XXXX dispute that I request regarding the unauthrized dispute on XX/XX/XXXX. My credit is damage. 
. 
XXXX XXXX XXXX. 
I had tried and tried to dispute XXXX for braking into my credit file when a security freeze been attached to file as of XX/XX/XXXX. Every dispute been ignored. Equifax doesn't care if the collection account is in the wrong spot in the file and wrong information. 
I had tried again to file a dispute that was enter on XX/XX/XXXX and I believe it ended XX/XX/XXXX. There was a dispute on the account as of XX/XX/XXXX that I did not requested. Tried communicate with Equifax again about the account. Another dispute was enter on XX/XX/XXXX and on XX/XX/XXXX It stopped after that. 
Very unprofessional employees at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My home loan was transferred to Rushmore Loan Management Services, LLC on XX/XX/2018 from XXXX XXXX XXXX. XXXX XXXX XXXX stopped collecting from me on XX/XX/2018. Rushmore date to start collecting from me was on XX/XX/2018. 
I am filing a complaint against Rushmore Loan Management Services, LLC because Rushmore gave me a Rushmore Pre-Welcome Letter dated XX/XX/2018. And then in XX/XX/2018 I received a Rushmore Welcome Letter dated XX/XX/2018 with a Substitute Form XXXX to fill out in which I knew the original XXXX Form was already filled out in the loan file. 
The Rushmore Pre-Welcome Letter means that Rushmore started collecting for my loan on its computer system two months in advance of XX/XX/2018. With this Pre-Welcome Letter dated XX/XX/2018 Rushmore gave me a computer generated interim payment coupon listing Rushmore loan #, due date XX/XX/2018, payment amount {$550.00} with my name and address and Rushmore address for sending in the payment. I cross out Rushmore loan # the due date XX/XX/2018 and put my prior XXXX XXXX XXXX loan # with due date of XX/XX/18. I also cross out the scan information at the bottom of the coupon leaving the amount at the end of the scan {$550.00}. 
A recoverable Advances Account was already established in Rushmore loan # by Rushmore collecting from XX/XX/2018 due date on Rushmore computer system for no payment and XX/XX/2018 due date for no payment on Rushmore computer system. And Rushmore knew XX/XX/2018 and XX/XX/2018 was being collected by XXXX XXXX  XXXX for the time before XX/XX/2018 is the time that XXXX XXXX  XXXX collect from me. 
My loan # with XXXX XXXX XXXX has an escrow account in it. XXXX XXXX XXXX verified on letter dated XX/XX/18 to me that XX/XX/18 payment was paid on XX/XX/2018 before service release and XX/XX/2018 was paid on XX/XX/2018 before service release. Rushmore received XX/XX/2018 payment directly from me in which Rushmore received it by certified mail on XX/XX/18 but Rushmore listed it as being received on XX/XX/2018. I have the certified note from the computer. 
My payments is broken down into principal, interest, and escrow each month in Rushmore loan #. But I can not see the escrow account balance each month but I see a recoverable advances balance that was established by Rushmore collecting before XX/XX/2018. And I have not received the Escrow statement that Rushmore is to give me within 45 days of established Rushmore loan #. And also the courtesy period by law in my loan which is 15 days after the first of the month is not observed on these mortgage statements that I have received from Rushmore Loan Management Services, LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
They keep calling my home phone and cell phone to speak with someone who does not live here over a debt that is not mine. I have told them repeatedly over the past 5 YEARS, yes 5 years that the person they are attempting to contact does not reside at my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: GA

Complaint narrative:
I have never received notice of this debt. The account in question is reporting to the credit bureaus and I have since disputed specifically through XXXX. They in turn preceded investigation and they found that it meets FCRA requirements. I still have not received any documentation validating as to why I am liable for this debt. Also per NRS 11.190 2 ( c ), the period of limitations to commit actions against contracts or obligations not found in writing has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Capital One credit cards has had my account compromised 3 times in the same week and is unwilling willing to stop it. The fraud is using my ssn and dob and doesn't have my password. Capital One refuses to force the password. Worse using the XXXX   the fraud had started payments twice even a day after the first report to the fraud department. They refused to disable the XXXX   and continued to allow the fraud to continue to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: GA

Complaint narrative:
1. APPLIED FOR A MORTGAGE REFINANCE 2. PROVIDED LENDER WITH ALL REQUESTED/REQUIRED DOCUMENTS 3. LOAN REFINANCE WAS APPROVED 4. PROVIDED A VOIDED CHECK TO CLOSING ATTORNEY AT CLOSING 5. WAITED THE LAW REQUIRED THREE DAYS RIGHT OF RESCISSION 6. FUNDS WIRED INTO ACCOUNT 7. USED SOME OF THE FUNDS 8. 24 HOURS LATER RECEIVED A CALL FROM CMG THE MORTGAGE COMPANY THAT THEY'VE MADE A MISTAKE ON THEIR END AND REQUESTED FUNDS BACK 9. THEY REPORTED TO MY FINANCIAL INSTITUTION THAT THE WIRED FUNDS WERE STOLEN FUNDS 10. MY FINANCIAL INSTITUTION FROZE OUR ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has stated that they had automatic payments from my account. During XX/XX/2018 I made a XXXX dollar payment and Bank of America made a payment of {$100.00} dollars through automatic payments from a closed account that has been closed for more than a year. The XXXX dollar payment at the branch was processed but they gave me a 2 fees. The first one was late because they claim their " automatic payment '' that their system processed was late. And the second fee they slapped my account with was a " returned check fee ''. I called today XX/XX/2018, and the representative claims I have always had recurring payments from my account, which I dont recall since I normally call ahead of time to make sure the account is in good standing. But they processed and invalid payment from an account that has been closed and not used for more than a year. Because Bank of America has processed my payments from my checking account ending in XXXX from XXXX. I am struggling to pay my college debt and can not afford these fees.

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 2018-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
GM Financial is keeping {$860.00} of my money, which the dealer sent to them in error, even though I paid the loan in full and they've sent me the letter saying so. They have approved the payment on XXXX XX/XX/2018 however failed to generate my check. They are using my money since XX/XX/2018.. They keep telling me that the check will be mailed ... Almost 2 months, no check ... I need help!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. 
Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. 
Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. 
I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. 

The representative did SOMETHING that allowed me to see several more rows of payment history data. 
When I saw more rows of a higher interest amount, I was really confused. 
I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. 

The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. 

I am unable to determine whether what the representative told me is correct or not. 
I can see only the current loan balance. I can't tell what the loan balance was for prior months. 

I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? 

I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from an unknown number which left me a voicemail to call XXXX if not they were going to submit to the court for a lawsuit and arrest me. I took this loan out in XX/XX/XXXX I believe but they said am being charged with fraud and other things I couldnt get the name of the company but they said their on behalf of XXXX XXXX. They were going to call my employer to look for me. I have not received any other calls from XXXX ever! The loan was for XXXX and now I have to pay XXXX. I spoke to them and they gave me a wrong birthday year and had an old address. I had to make payment arrangements because I can not afford to go to jail. I have 4 kids to care for and am the bread winner. I panicked when I head the voicemail and called them. They said to give them my social and a debit card for them to put on file. I dont know if its fraud be they proposed for me to pay XX/XX/XXXX the amount of XXXX and then on XX/XX/XXXX or so give XXXX. I really dont know what to do. After we had the agreement I started to think its a fraud. My uncle told me to file a complaint with cfpb. Am scared that I cancelled my card because a lot of things seemed wrong this loan isnt even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/18 I attempted to log into my Kohl 's charge account, in order to pay my bill current. I received a message " System is not available. '' I could not locate my card. I called the customer service number to gain access to my account, and was told I could not have access to SEE my billings or to verify what I owed until I brought my account current. I have a right to SEE my bill, before I pay. They refused to allow me access to my billing account. I then asked what I owed to bring my account current. The amount stated was {$110.00} questioned that amount several times, stating I didn't want to make a payment not yet due, just the amount to bring the account current TODAY. Kohl 's employee refused to tell me the truth stating that I had to pay amounts due on XX/XX/18 in order to be current today. I sated that was erroneous, and he refused to give me the correct information. He also stated that the federal credit and collection laws do not apply to Kohl 's. I asked for a manager, ) who eventually gave me the information I asked for, {$62.00} was due to be current today. I asked for the identifying information of both employees. Kohl 's repeatedly calls my phone, without leaving messages, sometimes calling back immediately, when it goes to voicemail. I have asked them MANY times to not call repeatedly, to leave a message, and informed them that I can not take calls during work. Yet they refuse to stop their harassment. They use misleading and false representations of amounts due, harassment, and continue to illegally call people who are at work when asked to stop. I was behind in payments due to XXXX XXXX, and was making every attempt to become current, and they blocked me from doing so, as well as refused my right to see my statements and account billings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
An authorized wire transfer was wired into my account. The sender later called the financial institution claiming the funds were unauthorized causing the frozen of my equity and account,

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 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I was a victim of id theft regarding a purchase/lease of furniture thru " XXXX XXXX XXXX XXXX? '' ( XXXX XXXX XXXX ) in XX/XX/XXXX (? ) in XXXX, Ca. for {$2000.00}. Was completely unaware of transaction. Someone was able to access my credit files and got approved online or in store by instant credit? In XX/XX/XXXX I received a letter from debt collector Halsted Financial ( XXXX, Il ) to settle for {$1000.00}. I responded within 30 days disputing debt and requesting all documentation of said purchase, as allowed by law and FTC rules ( purchase receipt, delivery info, phone #, etc. ) Sent proof of id, letter and cc of FTC rules to Halsted ( XXXX XXXX ) in XX/XX/XXXX 

NEVER HEARD BACK. For over a year, Halsted personnel/ telecallers have called/texted repeatedly to attempt to collect on the above id theft debt using abrasive, threatening, and deceitful phone calls and messages. Will not reveal their name. Impersonates or implies connections to law enforcement, the DA, or a law firm. HAS CALLED relatives ( huge violation of Fair Debt Collection Practices Act.. ) Yells my social security number and date of birth over the phone and says " we have a team looking for you! '' I am XXXX years old, a XXXX and XXXX XXXX. This doesn't work on ME -- but what about a vulnerable senior? Also -- YELLS instructions to call out of state phone numbers to provide credit card info. I have saved voice mails of all above. 

Goon-like, BELLIGERENT and illegal debt collection activities. Have resent them ( to XXXX offices on XX/XX/XXXX ) cc of all docs from XX/XX/XXXX ( id theft report, etc. ) and will contact state, city, and federal authorities in Illinois, including the XXXX County DA,  The XXXX County dept. of Senior Services, the city attorney, the Illinois state Dept of Aging, and the state AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2018 I received an updated credit report from XXXX   and XXXX and noticed Capital one is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a Capital one representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I would like a judge to decide if XXXX XXXX XXXX followed the law during my stay as a tenant. My rent at XXXX XXXX XXXX was {$860.00} a month. XXXX XXXX XXXX evicted me after I paid the apartment {$32000.00} in rent and {$3000.00} in late fees from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX charged me late fees exceeding {$50.00}, {$300.00} fees for evictions and {$1000.00} in damages. XXXX XXXX XXXX put {$2200.00} in collections and an eviction on my credit report. XXXX XXXX XXXX overcharged me and caused me to be homeless. The eviction on my credit report made it impossible to get another apartment. I dont believe I received fair compensation for the money I spent at XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1300.00}. 
On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1100.00}. 
On XX/XX/XXXX, XXXX XXXX evicted my family and charged me {$2200.00} to return to my apartment. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1000.00} On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1400.00}. 
On XX/XX/XXXX, XXXX XXXX requested {$1400.00} in rent and late fees. I could not afford to pay and I was evicted. 
On XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX charged me {$1000.00} in damages. 
On XX/XX/XXXX XXXX XXXX put {$2200.00} in collections on my credit report with a company called Sentry Recovery Collections.

Company response to consumer: Closed with explanation