vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Loan Number Nothing has been reported to the credit Bureaus we have asked them repeatedly to please report our credit history. Any help would be greatly appreciated. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Dear Rushmore, We are contacting you to ask for you to report our credit information to the Credit Bureau 's? Our Bankruptcy attorney informed us that you never filed a re-affirmation agreement and that you are legally required to do so. We ask that you promptly provide the information to the credit agencies. This was 12 years ago we have been making payments for all this time and it was included in the bankruptcy. We would appreciate your prompt attention to this matter. Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NC

Complaint narrative:
On XX/XX/2022, I submitted a letter to Experian stating they are in violation of reporting unauthorized accounts on my credit report. I requested for these medical bills to be removed from credit report based on the No Surprises Act and 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) -shall not be any medical bill or information reported on a consumer report. 

On XX/XX/2022, Experian email me the results which contain a few XXXX XXXX and other unauthorized accounts that I notice on my consumer report that I have given Experian any written consent to place any accounts on my report. 

On XX/XX/2022, I wrote Experian another letter requesting fro Experian to delete all the accounts listed in the letter based on the fact I have given Experian the consent to add the accounts to my consumer report. This is based on Federal Law 15 usc 1681b- permissble purpose and 15 usc 1681b ( a ) ( 2 ) - Nothing can be furnished on my consumer report without my written consent.

Experian LLC has broken Federal Law by furnishing unauthorized accounts without my wriiten instructions. Experian also broke federal law when they furnish medical collection as well in which is invasion of my right for privacy,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: VA

Complaint narrative:
My Experian Credit Report XXXX XXXX XXXX  reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.

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 2022-07-20 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:
i had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not done

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 2022-07-20 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:
i had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not done

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 2022-07-20 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. 
I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX XXXX XXXX and XXXX. 
I'm asking for a resolution, to help me out to be able to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: WI

Complaint narrative:
XXXX XXXX I try to create a Credit Karma account to track my credit score. I realize I'm unable to create an account because someone else has already created one first using my name, ssn, bdate. I didn't receive the follow up email so I try it again in XX/XX/2022. 
XXXX XXXX I reach out to Credit Karma to inform them again that someone used my name, ssn, beaten without authorization. Credit Karma rep told me they take security seriously and that I can send in documentation to verify my identity. The account was opened under email address ( XXXX ) and this user did nor have to send in documentation in order to use my identity. Closing the account was their remedy to this issue. Credit Karma allowed an ex who was convicted of trying to kill me to have access to my personal information also endangering my personal safety. I'll have to make a police report because my info was not kept safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
My XXXX Credit Report XXXX PHH Mortgage reported me as deceased since XXXX 2022. I AM NOT DECEASED. I have disputed this with the credit bureau and it is still NOT fixed. My ex husband is deceased. This is affecting me tremendously because I have no credit score and when I do get checked for employment I am coming back as deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, Account # XXXX and XXXX Bank, Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-20 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XXXX and XXXX of 2022, Bridgecrest was notified that I was refinancing my car loan. On the day that I received an email that Bridgecrest would be reporting a delinquency to the credit bureau, I learned that the pay-off check from my new loan servicer, XXXX XXXX XXXX , had been lost in the mail. Upon calling Bridgecrest and after speaking with two supervisors the only solution that I was continuously provided was that I had to make a payment. While I did make two payments, one to each loan servicer, I explained to Bridgecrest that because I am already making monthly payments to XXXX XXXX XXXX I could not also make a monthly payment to them for the same vehicle. Because the only solution to not reporting me as delinquent to the credit bureau was to make two car payments each month, this appears to be an inequitable, predatory, and unfair approach to dealing with customers who want to resolve a matter that is beyond their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX  inquiry fraudulent and unverifiable needs to be removed, XXXX XXXX XXXX fraudulent inquiry and unverifiable needs to be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The total amount were rebills XXXX. These charges were for a cruise that i had cancelled in XXXX for the upcoming cruise in XXXX. The gave me back some of the monies i paid but held back XXXX claiming they could not in touch with the merchant and that would be my responsibility. Are they crazy?? Covid was in play at the time in fact they cancelled the first cruise that was due to sail in XXXX  and did not sail, so they rolled my account over to the following year for another cruise, which again covid was in play. At one time my credit score was XXXX they have cut me down to XXXX for non payment of services and or good i never received. They claim the chargeback amt was over the threshold. Capital one is the most unscrupulous person i have ever dealt with. They should return my monies and. All charges on top of what they should have refunded are interest and late fees. I have spent over 40 hours on the phone with them to no avail. They kept telling me it will probably come and it never did. I suspect they charges were refunded by the cruise line and capital one will not furnish me with any communication they had with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Responded to an offer on XXXX for the sale of 2 used carports Seller indicated they were a business specializing in reselling carports that had been repossessed. 

2 transactions were made using XXXX through the PNC mobile banking app. 
XX/XX/2022 {$700.00} XX/XX/2022 {$270.00} Installation was supposed to occur on XX/XX/2022, seller contacted me to advise that their crew was behind schedule due to storms in their area slowing work and would not be able to attend until the next day XX/XX/2022. 

The next day they contacted me to assure me they would personally {$100.00} off the cost of each carport if I would allow them to install the carports on XX/XX/2022. This back and forth with the seller contacting me to advise it would be the next day and the next. 

I advised the seller I was cancelling my order and wanted the money refunded on XX/XX/2022, seller advised that they denied the XXXX transaction and the money should be refunded in 1-2 business days. 

Due to the way the interaction had been going with the seller I went to my bank to file a complaint about the transactions, I was advised I would have to speak with their XXXX complaints department, they made it clear from the onset of the call that it was likely they would not reverse the transactions and on XX/XX/2022 I received a letter from PNC indicating this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am unable to access the experian website despite having a PIN in my files that is still accurate, a SSN and DOB that are correct, and having called and tried all online solutions. Their website is useless and their phone system is 100 % automated and just points to their website. It is impossible to resolve this as a consumer, and experian only staffs their business customer support team.

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 2022-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had a HELOC with Huntington Bank that was refinanced to a 30 year mortgage with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I closed on the new mortgage on XX/XX/2022. As part of the closing process, XXXX requested a payoff quote from Huntington. Huntington responded with a payoff amount and per diem fee. A check for the payoff amount and per diem fees was sent via USPS overnight to Huntington bank. Huntington Bank received the check on XX/XX/2022, but did not credit the HELOC account until XX/XX/2022. Huntington Bank is now attempting to charge me additional interest. I have provided the proof of delivery to them, which is the receipt and tracking number from USPS proving that Huntington received the check on XX/XX/2022. On XX/XX/2022, I attempted to resolve this matter with Huntington Bank and went over their quoted numbers and dates with the representatives. I ended up talking to XXXX XXXX who, after going over the documents with me, promised to get back to me yesterday. I did not hear from her. The additional interest charges still appear on the account this morning. It appears that Huntington Bank is going to ignore me and attempt to force me to pay additional monies to an account that was paid in full with the amount they quoted to me and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This time last year I was a victim of fraud or a scam through XXXX, Bank of America. I immediately called the fraud department and had them close my account but not before {$3500.00} was transferred to the individual and deposited in the bank in California. I called numerous times and spoke with at least 12 different people over the course of a couple of months period they finally told me there was nothing they could do because I authorise the transaction period I used my mobile phone and my laptop computer. I was trying to speak with who I thought was a representative of XXXX, who I later found out this was a scam Internet site. I stayed on the phone for quite a while speaking with this person but I still did not give out any personal information. I thought the person I was talking to was legitimate at the time. 
After many many attempts to get this resolved through Bank Of America I was finally informed by letter that there was nothing they could do because I used my cell phone. I have been a customer since XX/XX/XXXXand I was shocked at the response and indifference. Apparently they closed the case and I am without my funds.

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 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I tried to wire {$20000.00} to the XXXX through my bank, XXXXXXXX XXXX in XXXX, Illinois. And now my understanding is the money was sent to Citibank XXXX before getting sent to XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX. The first wire transfer happened on XX/XX/2022, but the problem was both my name, the sender and the recipient 's name, my sister were misspelled, so the money was returned to citibank XXXX on XX/XX/2022. Multiple service emails were sent by my bank to correct the names and re-send the money. Citibank never reply to any emails from my bank. Then the money was wired again by them on XX/XX/2022 with the same misspelled names, so it was returned again on XX/XX/2022. Currently, I am working with XXXX XXXX  on trying to retrieve the money back, but they are still not responding to my bank. I tried to call Citibank on XX/XX/2022 but I was never entertained because " I don't have an account with them '' per call agent. All I am asking for is a response from them, to know where my money is and when can I get it back. This had caused me severe XXXX, huge delay on building our house, and put me on big financial difficulties.

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 2022-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
We use the CARES ACT for our mortgage serviced by XXXX XXXX XXXX. We thought all documents were completed only to find out that after they sold our Mortgage to MidFirst XXXX and we tried to refinance that we can't due to unfinished paperwork. We are currently trying to refinance and we cant refy or sell due to this issue and we have exhausted our resources in trying to get this matter corrected and need help.

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 2022-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I received notification from XXXX that there was a collection on my account from Clark County Collection Services for XXXX XXXX XXXX XXXX in the amount of {$830.00}. I have never had a loan with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, an authorization and documents to begin a short sale were faxed to Selene Finance. As of today XX/XX/2022, I am not able to speak with anyone at Selene Finance to obtain a short sale. I have even been hung up on. My home is in danger of being foreclosed on. Since this is an FHA loan the bank has to follow certain procedures, which they are not and are refusing to cooperate with me to obtain a short sale. I can not even speak with a manager when I call, which I have done numerous times. Please help me fix this situation. I have been denied speaking with the bank regarding my account on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions

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