vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This company is nothing but a headache. I wish our loan was with someone else and not them. Complaining about them in detail would be exhausting. 

Here is my complaint : My father died recently. He has a will. As far as I know, his will should be active. What it says, should be enforced and not dismissed. As far as I am understanding, my sister and I are heirs to our parents house. We are successors-in-interest. 

In XXXX of XXXX, we received a contract confirming my sister and I as successors-in-interest. 

On XX/XX/XXXX, I had called in and spoke to a rep named XXXX. She confirmed to me that my father 's will means nothing and that I am not a successor-in-interest according to their policy. As well, they can not give me any information regarding my mother 's estate. Which is false, because before, I was confirmed as a successor and I was given information when asked. 

When I asked XXXX about the previous contract, she said that it was a mistake. How does a large company with plenty of people working to review paperwork, make a mistake?? 

I can't tell you how bad the communication is from this company. No one seems to be on the same page and there are too many people giving answers. Our point of contact XXXX XXXX is the worse. I already complained about him and he is still failing at his job. 

I need straight answers. CFPB in XXXX enacted rules regarding successors-in-interest. 

My father 's will states, " his executors ( his children ), shall take possession and control of his estate ''. If this does not mean anything, then he wasted money making this will. 

I want my name confirmed as stated in the contract given. I have already signed my portion of the contract. I was told by a representative that this was okay. His permission was given on a recorded line on Rushmore 's behalf. Not mine.

I was also told that my signed, notarized portion is not acceptable. Rushmore is now changing their answer. 

This company 's communication is a bunch of garbage. They flip/flop. They are not on the same page as stated above. It's beyond me how they are still in business. They have awful reviews, which does not bother them. 

I want this fixed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I got a car loan through credit acceptance in XXXX of XXXX. My payment has never been late. I made sure to make my payments on time every month. I struggled during the COVID-19 pandemic to pay my bills but still managed to make sure my car note was paid on time. It all became too much in XXXX of XXXX  and I just could not make ends meet. I called credit acceptance and explained to them that I would be unable to make my XXXX payment. Trying to be proactive and looking for some sort of resolution, I explained to them that my financial situation was strained because of the global pandemic, that I was no longer employed and struggling to pay my bills and maintain a household as a single mother of XXXX. I did exactly what it is posted on their website to do, which is give them a call as soon as possible if there is an issue making a payment. I asked for some sort of grace with the company because of the state that we were in in the world and because of my outstanding payment history to that point. I was told that there was nothing that they could do to help me other than note my account of the conversation. They reported my account as late with the credit bureaus, which has negatively affected my credit score and payment history. This has caused a tremendous amount of stress, pain and grief to an already traumatic situation. I find it absolutely devastating and appalling that company 's can be this heartless and ruthless to the consumers that keep them in business, especially at a time like this. There should be some sort of relief or program offered to help customers. My payments were on time before and have been made on time since. Credit acceptance is taking advantage of their consumers and are only in business to help themselves, not the customers! They should not be able to hurt or affect peoples ' lives this way, especially now, during a pandemic! Something needs to be 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 2021-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Gap Credit Card Fraud Closed Account due to Identity Theft XX/XX/XXXX Inquiry not self initiated XX/XX/XXXX Received notification XX/XX/XXXX they would resolve an issue within 14 days-unknown caller ID Credit Card report labeled social security information and email listed Dark Web per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX XXXX AND MR COOPER COMMITTED WIRE FRAUD ON XX/XX/XXXX ... 
At the direction of XXXX XXXX, XXXX of Mr Cooper lied on the phone and said they were taking 4 payments and billed me for 3 @ XXXX plus one @ XXXX plus service fees for a {$3800.00} total. For the sixth time at MR XXXX XXXX 's direction Mr Cooper decided to steal a payment to make up for illegally added fees. We will be filing an additional criminal complaint in the state of Florida, and also re-energizing the dormant case since statute of limitations do not apply to out of state crime if this is not reversed immediately. 
MR COOPER LOST A CLASS ACTION SUIT ... WE ARE A PLAINTIFF ... WE REQUEST IMMEDIATE CANCELLATION DUE TO SHORT SALE ... We are exercising our right to loan cancellation when fraud is found and admitted. Nationstar admitted guilt,,, this is not a debate. 

WE REQUESTED A COPY OF THE WIRE FRAUD,,, ONCE AGAIN THEY REFUSED TO COMPLY ... THEY KNOW THE DATE OF THE CALL .... XXXX XXXX and Mr Cooper has serious honesty issues,,, The entire CFPB response was fraudulent. 

MR COOPER IS FULLY AWARE OF LOAN ORIGINATION FRAUD SINCE THEY WERE THE PARTY TO DISCOVER IT ... COVERING IT UP IS A FELONY IN FLORIDA ... XXXX XXXX is fully aware of the 30 day rule on correct loan origination documents. He Conspired with XXXX XXXX to commit XXXX mortgage fraud in Florida. Apparently they think we are joking on a criminal prosecution. I will be filing a criminal complaint tomorrow. 
NATIONSTAR AKA MR COOPER HAS REPEATEDLY TRIED TO STEAL HOUSE PAYMENTS FROM US ... ATTACHED IS A THEFT ATTEMPT IN XX/XX/XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: VA

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America provides statements which make it impossible to understand how funds are actually being applied. What the statement says is simply not correct. Not unless you understand the transaction reversals, reasons for unapplied funds, etc. There is no reason it needs to be this complicated. 

Please review the Payment Posted amounts. They do not reflect the actual amount paid. They reflect the amount that is required to pay in full. 

Please see the XXXX statement and the Transaction Activity section. Why are transactions reversed and why is there unapplied funds. 

Please look at the principal paid amount for each statement. The amount for the XXXX statement is not correct. The only way to make it correct is if you can understand their accounting.

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 2021-03-26 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 sent 2 letters already for TransUnion and XXXX to remove those inquiries in my credit report, unfortunately, they don't even answer my request.

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 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
For XX/XX/2021, my income was too low or unstable to pay the monthly payments in full, so I had to make installments ... Nissan Motor Acceptance Corporation extended me for one month but their attitude was inappropriate and they were asking personal questions they shouldn't have asked. Then I started making payments around XX/XX/XXXX or the XXXX to cover XXXX XXXX payment which I did. Then I was going to send 2 installments of XXXX for that month but they stated I have to give them XXXX dollars to prevent recovery/repossession of vehicle. I explained to them about my financial hardship but they showed lack of concern. Then I had to talk to somebody like you to help me handle this situation professionally and legally. I'm awaiting a stimulus check so I can pay the rest of my debt..I only am behingdnow 2 months instead of three.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Paypal XXXX. Everyone knows this. Shame on anyone who works at paypal. 

I sold an item on XXXX item # XXXX. It was delivered by USPS on XX/XX/21, see tracking # XXXX. XXXX states that funds are available. 

But when I visit the worthless trash Paypal website, it says my funds are on hold, and Paypal is under the impression that the item hasn't even shipped. They are wrong. They are idiots. XXXX XXXX XXXX XXXX XXXX XXXX. 

Please cause them to release funds for the item so I can close my account and never deal with these XXXX ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
I am a victim of identity theft. I can't stand by and let my credit be destroyed. Please help! I have attached the FTC report as well as a notarized letter that certifies that I am in fact the one disputing the information on my credit report. The accounts and inquiries listed on the FTC report are fraudulent. Please remove them within 4 business days as per section 605 b of the Fair credit reporting act.

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 2021-03-26 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: NY

Complaint narrative:
I am a victim of identity theft. I can't stand by and let my credit be destroyed. Please help! I have attached the FTC report as well as a notarized letter that certifies that I am in fact the one disputing the information on my credit report. The accounts and inquiries listed on the FTC report are fraudulent. Please remove them within 4 business days as per section 605 b of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX was entered into consumer transaction with XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX took cash. The finance charge is suppose to include insurance, but XXXX made me purchase insurance separately. I XXXX XXXX was also a victim of identity theft because I entered into a consumer transaction with XXXX XXXX on XX/XX/2016. A consumer credit transaction in which I was tricked into thinking that I got a loan when in reality I only came for the credit, the promissory note was for them because XXXX XXXX got the loan 15 usc 1431. XXXX XXXX used my information to obtain an extension of credit, 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. my information was used by capital one illegally to obtain my approval status for an extension of credit. can you guys please stop violating my rights as a Consumer? I have kids that have I have to take care of. it is hard to maintain a normal lifestyle because I can barely work because I have to spend countless hours studying the laws of the FCRA so I can finally get this issue resolved. I sat here for hours personally typing this letter myself with blood, sweat and tears because many nights I cried myself to sleep over these issues. I am begging you to please help me. do the right thing, I am a single father trying to survive during these covid times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried to get old addresses and alias names off my report please delete these names and addresses

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 2021-03-26 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: VA

Complaint narrative:
I am a victim of identity theft

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried to get old addresses and alias names off my report please delete these names and addresses

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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried to get old addresses and alias names off my report please delete these names and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/21 Paypal reopened claim # XXXX that I previously closed on XX/XX/21 because my bank paid final credit of {$32.00} as merchant refused to process my refund. 
This should have remained closed, but Paypal decided to reopen and review without the authorization of my bank and myself. Bank dispute closed and paid as evidenced by enclosed letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was charged unexpected interest fees by Capital One. I acumulated {$720.00} worth of interest between XXXX and XXXX of XXXX. I had the card since XXXX of XXXX and had not been changed any interest at all. I had been unemployed for 9 months and sick with XXXX. I did not expect any interest and was additionally confused due to XXXX  fog caused by XXXX. When I learned that Capital One had started charging an unbelievably high amount of interest I was frightened and borrowed money from a family member to pay it off. I than contacted Capital One to attempt to request a refund or credit, under the circumstances with the pandemic and my sickness. I was told that there was nothing that could be done, and given the run around despite apealing to their humanity and explaining my financial hardship and XXXX. I have continued to call them, escalating to multiple managers, only to be told over and over again what their policy is ( which does not account for Covid in any way ), and that they will not help me. It is important to note that through this experience I also learned that Capital One has a policy they claim is intended to assist people with financial hardship by allowing them to skip payments, but it immediately puts them into a situation where the will be changed interest. I know that other credit card company 's are forgiving interest due to COVID and I am very disappointed and frustrated to know that Capital One cares more about policies than peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.

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 2021-03-26 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: CA

Complaint narrative:
There are several different issues with all the credit reporting agencies. One in particular is XXXX originating out of XXXX XXXX XXXX has numerous inquiries on my credit report. I have NEVER had an account with them but they are constantly inquiring about my address, credit score, and reporting. In addition XXXX XXXX has permission to inquire about my credit standing which I have never approved. The three agencies have reported employment information incorrectly, disputes incorrectly, as well as living residences incorrectly. Also, my name has never been XXXX XXXX and other variations of this but I have only had approved accounts with XXXX XXXX, or XXXX XXXX. XXXX and finally XXXX XXXX XXXX. They wont correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
My Coinbase account got hacked. I been trying to get it figured out for over a week. I tried getting access to the account but the hackers changed the phone number. And the customer service is not answering my questions. I told them that the number they are sending the authorization code to is the hackers number. This company should not have access to financial information. Everything is automated and no one will answer my questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.

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