vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have owned my home for 20 years. I am XXXX years old. The loan was originally a VA loan. It was then refinanced as an ARM pick a pay. It was sold from world to XXXX ( or XXXX to XXXX, then to XXXX XXXX and finally to Rushmore Loan Management where the biggest problems started. My interest rate when Rushmore bought it was,XXXX in XX/XX/19, then It Dropped to XXXX, then to XXXX. They started with monthly payments of {$1600.00}, they raised it to {$1700.00} in XXXX. Then {$1800.00} in XXXX which I couldnt pay yet. My interest rate drops and my monthly payment goes up. 

Their excuse is they want to catch up on amortization. I only owe about $ XXXX and the value of the house is over $ XXXX. I spoke to XXXX, a supervisor today to explain I cant pay yet. They cant send faxes. Their web sit is not fully Working. 

They asked me to mail them authorization to talk to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a consumer report on my credit report that does not belong there. The consumer statement says that no past due or collection should be reporting a balance and I do not want it there because I do NOT HAVE any negative Items or lasts due items on my credit report and I have disputed it million of times and it has said that it has been deleted but it is still reporting on my credit report and it needs to be deleted right now and also there is a inquiry that needs deleted along with other ones that were deleted for the pentagon fed inquiry and it needs to be deleted now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: ND

Complaint narrative:
This company keeps emailing for payday loans that I have never applied for and have given my information to several other affiliates. I am getting spam calls and emails constantly from these vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. XXXX  refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On or about XXXX XXXX, I visited Wells Fargo Bank, to applied for a FHA loan for a Modular Home. I was referred to XXXX XXXX, for a mortgage loan. He sent a link for me to do the application on line. I completed the questions for the loan and submitted it to Mr. XXXX. 

Once he got the paper work, XX/XX/200, on line and checked my credit through XXXX XXXX, credit bureau he called and told me they do not finance Modular homes. First of all why did he check my credit if they did not finance those type of homes ( Modular ) When I question him about checking my credit, he stated I did not tell him what king of home I wanted. That was not true, he is saying I can just walk in to Wells Fargo Bank FHA and say I want a house and you don't ask what kind of house are you looking for. 

His supervisor, referred me to Ms. XXXX XXXX, to investigate the case, she states a called would be returned to me on XXXX, I tried to call her before that date to give further info I saw on line. she did not return a call, only on XXXX I was given another date on XXXX, no info. 

I ask for another supervisor, he stated that I cancelled the loan, that's not true, why would I keep calling to get a loan. Then Ms. XXXX called back on XXXX, states she will call me back on the XXXX, of this month. The company in SC, called XXXX XXXX, they have a customer from Texas, Wells Fargo bank buying a home at this same co. that only sell these kind of homes. I went to this bank because they are a FHA, bank these homes are FHA Also there is a handbook on line with Wells Fargo Bank, FHA for this company

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 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened up an account while on vacation in XXXX and purchased 2 watches. If I paid in full prior to the promotion ending, I would not have to pay any interest to XXXX XXXX-Comenity. I paid my account on time the entire time and sent out my final payment that was due on XXXX XXXX, 2019 the same time as I had in the past if not even earlier because I was off of work and did all my bills during XXXX break. For some reason they are claiming that it didn't post to my account until XXXX XXXX, 11 days pass due the promotion. When I first spoke to Comenity-XXXX XXXX, the agent had asked me when I sent out the statement, my answer to her was, I would be lying to you if I knew the exact date when I had, why would I remember that, how would I be able to answer that question??!! So, I said to her well for sure by XXXX XXXX, I don't know but I always mail my bills out for sure at least a week before they are do as always. She said ok, and with that information the investigation was completed and because I said XX/XX/XXXX, and again I stress, I repeated over and over again, that I did not know for sure and just said XXXX XXXX the latest when she said she needed to know a date for the investigation. Well, they determined that I did not give enough time to get there on time as I had in the past so I was now past due over {$2000.00}. I then sent a certified letter telling them that I wanted proof that my final payment was delivered late by the post office and not by XX/XX/XXXX. I received no explaination, no person to talk to etc. just numerous, I mean numerous calls a day harrasing me for the past due finance charges, I again explain the story and they always maintain that it was my fault and since I can't prove when I sent it I have to pay the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian to have incorrect addresses on my credit report, I have submitted my IDs driver license, and SSN card paving my address via a bill and they have yet to uphold my request. I have asked them do to so multiple times and their allegiance seems to be elsewhere rather than directed towards my request, a consumer who's account has already been subject to fraud. And they know this because I sent them a police report for the fraudulent 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 explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A monthly transaction always try to come out on the XXXX of the month. It is never consistent on when it is processed because the account mostly does not have enough funds to cover this charge on the XXXX due to my SSA-DI check goes thru on the XXXX of every month. For som reason the bank processed this charge this month of XXXX on the XXXX that was on a weekend. Since I didnt have the available funds, I was charged a {$35.00} fee for overdraft. I feel that this charged should be waived since I did not authorized the bank to process any charges that will make my account go in the negative. Im being penalized due to the way the charge was processed from the merchant. I have been used to the bank not processing this charge because enough funds are not available. I feel that the bank use its power to get extra money from me despite me being on a fixed income.

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 2020-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
My tax bill for my home was due XX/XX/XXXX Lakeview has not paid the bill and has an excuse every time I call. They tell me it will get paid, I have been calling since XXXX when I noticed it wasnt paid. I went and obtained another copy of the bill for them. My escrow has thousands of extra dollars in it because they have not paid the bill. I have called weekly about this issue an no resolution.

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 2020-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not my accounts or inquires

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 2020-03-03 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: CO

Complaint narrative:
XXXX XXXX XXXX  is reporting incorrectly a balance of {$130000.00} to Equifax and XXXX   on the XXXXXXXX XXXX XXXX partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX has removed this line item and I respectfully request that Equifax and XXXX  remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The debt is already purchased by Midland Credit Management. I asked for a settlement. The company stated there is no settlement. Other debt management companies have this option. The company repeatedly stated there is no settlement. They continue to call and do not have leave messages. They called while I was at work. I ask for contact information and XXXX XXXX continued to ask " why do you need that information ''. They continue to threaten to send the account to " an attorney in my area ''. If they have not done so by now, I doubt they will. They use traditional scare tactics and call from noisy environments. During the phone calls, I can hear other people speak and phones ringing in the background. This is very unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Commenity Capital Bank has been calling my home five times a day for MONTHS, in regard to a small credit card debt XXXX {$540.00} XXXX. They have threatened me with lawsuits. They called my husband twice and told him about the debt and the name of the credit card. They called my DAUGHTER last week, again mentioning the debt and the name of my credit card. I have the voice mail to prove it, as she forwarded it to me. The second time they called my husband and also my daughter, was Wednesday XX/XX/XXXX. I called the gentleman back, his name was XXXX, very upset about him contacting my husband and daughter. I told him I was going to file a complaint against them, and his response was " We're a XXXX dollar company. Do you think your complaint means anything? ". When I asked how he got my daughter 's number, he said we have a lot of people working in the background and they can get anything they want. I then told him that from now on I wanted all communication to be in writing, he hung up on me. He was very rude, also telling me I deal with people like you all the time, you don't bother me. Since telling them on XX/XX/XXXX that I want all communication to be in writing, I am still receiving calls, I've gotten three in the last two hours. One left a message from Commenity bank again, one had no one ( that spoke ) on the other end, The first call came less than an hour after requesting written communication only- it was a woman speaking XXXX, I believe. I need the phone calls and the harassment to end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 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: IA

Complaint narrative:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX.

I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~

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 2020-03-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 provided a Credit Score to the XXXX XXXX XXXX XXXX a score of XXXX however less than a month later XX/XX/2020 XXXX XXXX Credit Score was given of XXXX. I haven't missed a payment on any of my accounts in 7 years my Credit Report will reflect that Equifax compromised my information along with thousands of others. I was able to remove 1 Account that was created in my name. I was never given the Credit Monitoring Service as promised in the settlement. I have written Equifax several times asking why my scores were 50 to 100 points lower than the other Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Merchant failed to refund a deposit for services not rendered, despite several direct attempts made by the consumer, the absence of a signed agreement and failure to provide terms and conditions surrounding their deposit acceptance process. Consumer initiated to dispute charge ( s ) with Chase Bank. During the process Merchant filed fictitious documentation with Chase Bank in order to win dispute. The dispute process with Chase took over 60 days to complete and concluded with awarding money towards the merchant. During the process, the merchant threatened and harassed me about disputing the charge. I could not provide any documentation towards the dispute as nothing was ever provided to me from the merchant. I have tracked down the original person I dealt with at the company, he is no longer employed by the merchant being discussed here and he is writing me an affidavit to discuss their processes and what happened with my situation in particular.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
On XX/XX/2018, we started a loan application with Veterans United Home Loans which did produce a loan and purchase of a home with a VA loan. At closing, per our loan agreement and records showed what was included in our escrow account ; Home Owners Insurance, Flood Insurance, Taxes, and POA assessment fees for the year 2018. After three months, our loan was being serviced by a different lender. Our taxes and homeowner 's insurance was included in our new escrow account with the new lender. However, our flood insurance and POA assessments were not there and there was no flood policy written as well. We did pay Veterans United Home Loans for flood insurance but yet there was no policy. After reaching out to Veterans United Home Loans back in XX/XX/2018, I was instructed to contact our insurance representative. I have fixed these issues since, and now being contacted by Veterans United Home Loans trying to get our business again to refinance just to be sent to a different lender shortly thereafter. I will include the correspondence received from Veterans United Home Loans, and I did ask to be taken off their contact list. 

We also know why they, Veterans United Home Loans, are contacting us now is because we did try and refinance our VA loan with horrible experiences from four different lenders this past month. Our experience was that the lenders would basically get our home equity in either closing or points costs to us for just a difference of $ 100-200 in our monthly payment. We felt that we would gain better by paying extra towards our principal balance each month to lower the amount of interest we would pay over the time of the loan. My husband and I feel that these lenders knew exactly what they were offering and why. 

We would wish others to understand that equity in your home is precious and giving it away to lenders for a difference not beneficial to a veteran is not the way to go. 

All of the lenders offered the four listed problems that the VA stated to watch out for. We just want to get the word out there.

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