vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 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: CA

Complaint narrative:
It's been a while since I submitted a disputed. However, the student loans were duplicated on my XXXX  and Experian credit reports. I have tried to remove the duplications in the past, but it's still there. I have a total of 4 XXXX XXXX accounts on my report ( there should have only been 2 ). One loan was paid on XX/XX/XXXX and should be completely removed from all credit bureaus ( over 7 years old ). The other was paid on XX/XX/XXXX which is also duplicated. Currently, I should only be one XXXX XXXX   account which should drop off in XX/XX/XXXX. Please advise.

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 2018-11-09 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: MO

Complaint narrative:
The tradeline XXXX XXXX was disputed and Equifax claimed it was verified, I have requested proof of the investigation with the letter dated XX/XX/2018 as this item is reporting in my file in error. They refuse to send me how the account was verified and are illegally reporting this to my file. XXXX XXXX   was unable to provide me proof ( contractual agreement with original creditor XXXX with my signature ) and the account was not properly investigated with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management bought out our loan was told I was 3 months behind my husband 's daughter paid the loans to catch it up. I paid off the loan early I thought logged into the web site it says I owe almost 16.00. I then received a notice that I owed a deferred payment of almost XXXX called and was told that I have three payments behind was told that I could make payments until it was paid because it is due in XX/XX/XXXX so I sent XXXX  last month they kept the money it shows it is in escrow account sent XXXX More then sent XXXX  to make sure the deferred payment was paid off. Noticed today the second payment of XXXX was returned plus the XXXX was returned. I called them was told we do not take partial payments but yet they still have the first XXXX I sent and I'm still getting letters that if I don't pay it off beforeXX/XX/XXXX they will foreclose on our home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX I learned of an amount I owed to US bank. I called US Bank and made a settlement with them on the condition that they fax me a settlement confirmation letter the same day. I was told by XXXX at US Bank that in order for that to happen I would need to go to XXXX XXXX and make the payment there, I was told by XXXX that after making that payment I would need to call her back with a confirmation number for the XXXX XXXX   transaction. I did everything as instructed and to my surprise XXXX said she could not send me the fax that day, I did not receive the letter I needed after doing my part. The next day Wednesday, XX/XX/XXXX, I called back and was told that the payment would have to post before the letter could be sent even though I had taken the extra steps of going to XXXX XXXX to make the payment. I did not receive the letter that day. On Thursday, XX/XX/XXXX, I called back and was told that payment still had not posted. I did not received the letter that day either. It is now XX/XX/XXXX and although I have been told that the payment has posted I still have not received the letter I so desperately need and was promised. US Banks policies are deceitful in this regard and I would not have taken the extra step of going to XXXX XXXX to make this payment if I had known they would not be faxing the letter I still need. The manager of this department of US Bank, XXXX XXXX, remains unresponsive after sending several voicemails and emails.

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 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is MIDWST RCVRY. The original creditor was XXXX XXXX XXXX XXXX XXXX. and this is not my debt. I am XXXX feet tall not XXXX feet XXXX  inches, I have XXXX XXXX, not XXXX. I was XXXX not XXXX. I've never been employed by XXXX XXXX. I have not been XXXX XXXX  sinceXX/XX/XXXX. I never lived at the address in the complaint or on the hospital bill. I was never XXXX XXXX in the state of Florida. This is a case of mistaken identity or identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: NC

Complaint narrative:
Pulte Homes offered a home credit of {$10000.00} for the purchase of a new home as long as you chose them as a mortgage company. The were offering a rate of 5.3 % ( before running credit ) and told us that we could shop around for a lower rate. They would honor the lower rate and we would still get the home credit. We found another bank that offered 4.375 with 8th credit and send the loan estimate to Pulte Mortgage. The put together 2 loan estimates. 1 with an interest rate of 4.25 and another with an interest rate of 4.5. Both contained the promised XXXX home credit, but they also had us purchasing the interest rates down. The home credit is almost washed away why the point purchase.

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 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: NM

Complaint narrative:
When I had moved from XXXX XXXX Apartments inXX/XX/2016I had preformed all necessary checks with the front office to ensure I left the property in good condition prior to moving. Due to the harassment, and quite frankly, discrimination from the front office they elected to attempt to bill me further for services that were not warranted nor rendered. This debt is invalid and not owed by myself. I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I purchased a home inXX/XX/2017 using a reverse mortgage. I took $ XXXX of my own cash money to put aside for the taxes and insurance to ensure that these items would be paid in my older years. I since had to sell that property because I need my children to help me and they live in and close to XXXX XXXX. This money came from the sale of the house my husband and I shared for 45 years. I called AAG regarding the refund of this money that I set aside to pay taxes and was told since I sold the house, the money disappears. 

I tried explaining that this is not a typical set aside. This money was not a part of any loan proceeds. This is my money that they were holding for taxes and insurance. Once the house is sold, I am supposed to be entitled to that money back. The manager refuses to return my calls, and the representatives keep telling me that the money I put in disappears. 

They are scamming old people to steal their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call from XXXX XXXX XXXX  ( XXXX  ) XXXX about an unpaid debt and was threatened with litigation. When I tried it to get the details of the debt, I was told they did not have the information. The debt was for a credit card I never had in the amount of {$450.00}. When I explained to the representative that this may be fraud, she said shed put the information in the file. Several months later, they called my husband for the same reason. When I called back to understand why they called my husband, I was hung up on. I called back and when I reached someone else, they claimed they could not locate my account and hung up again. This is harrasment.

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 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
XX/XX/18 I received notification from my credit bureaus XXXX my credit has been changed. I viewed the debt collector asking for approximately {$2300.00}. I am concerned because that is very incorrect and false information and furthermore I never received notice of a court date for allegations of a judgement. I know my security deposit was a XXXX dollars and the XXXX XXXX apartments kept ALL of my security deposit. The day I vacated I asked the managers assistant and main manager for documentation providing I am leaving and everything as been satisfied. I was told yes and my security deposit will be sent to me by mail. I can leave now. I do have a video recording of this conversation because I am aware this apartment complex has commited fraudulent claims in the past. I also have a witness who was present during this conversation. I also have pictures to show the apartment was left as is and clean. This extremely high judgement is a false claim and detrimental to my credit history and character as a consumer. I want this information corrected immediately. I also would like to see the file of what was alleged for judgement so I can dispute in court if need be, as I have every proof needed to show this amount is false and incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: OR

Complaint narrative:
Greetings, I signed a contract with XXXXXXXX XXXX XXXX inXX/XX/XXXX and again inXX/XX/XXXX. I bought out of my contract on XX/XX/XXXX ( XXXX ) because I had sold the house with the security system in it. I received a debt collection notice notifying me that I owed them XXXX. When I spoke with the Senior collections person above XXXX XXXX ( McCarthy , Burgess & Wolff Collection Agency XXXX Extension XXXX  ) she had said that I was suppose to notify XXXX  in writing of the cancellation of the contract. The person at XXXX  did not disclose this to me at the time of cancellation. I asked if I could get a copy of the recording of the conversation on XX/XX/XXXX with XXXX and the collections person said that I would need a ticket number, of which I do not have.

I was never billed by XXXX  to my new address, so I was completely unaware that this company was continuing to bill me. XXXX  had my new address and they also had my husband 's credit card number, which was also not billed.

When speaking with the senior collections person at McCarthy, Burgess, & Wolff, she stated that in one year and 6 months of working with this company only 2 complaints have been mistakes. When I did not read the contract in full about the cancellation process, that it was " on me ''. Which leads me to believe that this type of predatory collections is rampant and pervasive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: NY

Complaint narrative:
I am writing to you because I am having difficulty obtaining stable employment due to my health. I am also requesting a payment that allows me to meet my medical and living expenses. I am not working due to several physical illnesses. I have XXXX XXXX, XXXX XXXX, XXXX XXXX  and generalized XXXX ( please see attached documentation ). I currently have no income and I do not foresee any improvement in the future, but my husband is willing to help me pay my student loans.

I obtained my XXXX XXXX in XXXX XXXX XXXX from XXXX inXX/XX/XXXX. I worked for three years with a very low starting salary. In XX/XX/XXXX, I was XXXX with XXXX XXXX   which has impaired me to continue in the field, but the amount of days which I am bed bound has also prevented me from obtaining any stable employment. My dreams and vision to help people with XXXX XXXX  has vanished.

Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan.

I believe I can afford to pay {$800.00} per month toward my loan. Please consider my offer, I am trying to reach out with all my best intentions. If you do not grant this request for a reduced payment plan, I will be at risk of default. If I received a reduced repayment plan, I may be able to avoid default, which is the best interest of all parties.

Please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response.

I hope we will be able to agree upon an acceptable repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America is running a false advertising, Bait and switch scam. They offer nice incentives to open an account. Then when the customer uses the incentives to generate the bonus points and cash incentives the fullest extent, as specified in the contract. Bank of America closes the account. The prof that this is an intentional premeditated scam. Is in the contract. With all the identity theft, going on. Along with just plain typos. When a bank closes your account and cancels your credit card..They should be required to give you a valid reason. There is too much false, fake, and disinformation information, on the internet and in company data bases. There are over a Thousand people in the U.S.A with my same first and last name. When a business decision is made, to close anyone 's account. The customer has the right to know if that decision was based on their correct, valid information, not someone else 's. Especially personal banking information. Since Bank of America has include in their contract ( Bank of America can make a business decision to close an account any time for any reason. And keep that information from you. ) I believe this part of Bank of America 's contract was included to allow Bank of America to commit bait and switch scams. With the forethought that they could now defraud new customers who earned benefits and perks. Bank of America offered perks as an incentive to open an account. Then they close the account of people who use those perks. Bank of America believes this is a way to hide a false advertising, Bait and switch scam. I have talked with several people at Bank of America. I know they were all honest people who just needed to do what they had to do to keep their job. Personally, I quit a salesman job where I was trained to lie to people in order to make sales. It is a shame all honest people required to lie as part of their job do not have the resources to quit. Making the criminals, Do their own dirty work. I really hope the CFPB, Looks into, and has the ability to stop this kind criminal activity. Of all the types of companies in the XXXX XXXX  should be the most transparent. I hope the CFPB, does not allow Bank of America to continue hiding their scam in a contract. I am sure any contract intended to hide a crime is invalid. I am sure Bank of America knows this. I also believe they are not going to stop this scam until some one takes legal action.

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 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2018 at an XXXX XXXX I bought a {$200.00} Mastercard gift card, issued by U.S. Bank.

On XX/XX/2018 I went online to register the card. I discovered it had been registered to someone else. In addition two purchases were not mine : XX/XX/2018 {$160.00} at XXXX XXXX XX/XX/2018{$4.00} for XXXX I called the customer service number on the back of my card. I was instructed to fax three pieces of information : 1. front and back of gift card 2. government ID 3. receipt of purchase OnXX/XX/2018 I faxed that information, accompanied by a cover letter.

I have received no response.

OnXX/XX/2018 I called again. I was told no live person can help me, and I must fax the information again.

I've read on online forums that fraud is prevalent with U.S. Bank-issued Mastercards. I've read that U.S. Bank will not respond to consumer complaints of fraud. I've read that a resolution is offered only through a CFPB complaint.

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 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
I have disputed the Online Information Service Company asking for VALIDATION not verification. I've followed up with this collection agency with 3 verification letters on XX/XX/18, XX/XX/18, XX/XX/18. THEY HAVE YET SENT ME THE ORIGINAL INSTRUMENTS OF INDEBTEDNESS IN ITS ORIGINAL FORM, instead they keep sending me a bill and keep overlooking are ignoring my request to confirm it. I have also sent three rounds of letters to dispute the account information at as inaccurate with all three disputes the credit bureaus kept stating that the collection has been verified and is accurate this debt. How is that possible? Under the law of the FDCPA, I have contacted the collection agent and the orignal clients myself and has been unable to get them to verify that this is indeed my debt or yet has since sent me the original instruments of indebtedness in its original form. I've also demand the credit bureau to investigate properly rather than using XXXX 's system. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau are required by federal law to verify through the physical verification of the orignal signed consumer contract- any and all accounts posted on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had communicated with American Express on numerous occasions that the account holder ( Account Card # XXXX ) and my father, XXXX XXXX XXXX XXXX, suffered a XXXX on XX/XX/2018. I contacted American Express on XX/XX/2018 and asked to have his card suspended, and I was told to send a copy of a power of attorney to American Express at its fax number [ ( XXXX ) XXXX, which I did that same day as instructed by " XXXX '', American Express 's representative, when I spoke to him at ( XXXX ) XXXX. [ On that same occasion, I and my mother, XXXX XXXX XXXX XXXX, asked XXXX to suspend the card, since there were unfamiliar charges on it. ] We also sent proof of the XXXX. 

American Express has not responded, and has indicated that my power of attorney is not valid. The power of attorney is valid under California law -- I should know, since I am an attorney. 

We wish for the CFPB to inquire of American Express when ( if ever ) it intends to address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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 — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Since XXXX my family has been dealing with Capital One in regards to a payment that was made to a car dealership that OWNS a car. They have the title and they are listed as the OWNER of the car in questions. Capital One states that they can not take a verbal confirmation for the XXXX XXXX XXXX XXXX New Jersey stating that they dealer is the owner. Instead they state that they need something in writing. Rather than ASK the dealer for a copy of the TITLE, they are asking me, which by STATE law I can not get. 

This has been going on for months and capital one refused to ask the dealer who they have paid for the title. A simple phone call. 

As a result the dealer has ownership of the car and my money. As this while I am stuck without a car to take my XXXX month old baby to doctor appointments.

Company response to consumer: Closed with explanation