vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 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: Garcadia Financial LLC
State: SC

Complaint narrative:
There are unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FOURSIGHT CAPITAL LLC Inquiry : XX/XX/XXXX and XX/XX/XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: AL

Complaint narrative:
A money transfer for {$1000.00} from the US to XXXX was initiated via Xoom in XX/XX/XXXX. The transfer was not successful, Xoom admitted to this and agreed to refund the amount. The refund has not been made yet ( as of XX/XX/XXXX ). 

Detailed timeline : XX/XX/XXXX, XXXX XXXX  : transaction for {$1000.00} initiated ( US to XXXX XXXX XX/XX/XXXX, XXXX XXXX  : Xoom confirmed successful completion of transaction ( however, it was not successful ) XX/XX/XXXX : I provided bank statement details of both my bank accounts ( XXXX and US ) showing that the transfer never happened. Xoom responded by saying they will check with their banking partner in XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : Xoom sent me an email saying that 'Xoom or our partner has encountered an unexpected problem ' processing this transaction, and they agreed to refund the money to my US account. 
XX/XX/XXXX : Xoom sent me an email saying the automatic refund failed and they need to send me a check, and asked for my mailing address which I provided. 
XX/XX/XXXX : Xoom sent an email saying they mailed out the check and that I should receive it in 10-15 daysXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX: multiple calls to Xoom to check on the status of the refund, since I did not receive the check. 
XX/XX/XXXX : Xoom sent me an email asking if I received the check, I responded negative. 
XX/XX/XXXX - XXXX, XXXX : multiple calls to Xoom to check on the status of the refund, since I did not receive the check. Same answer each time : this case has been sent to XXXX and they are waiting for a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
My loan was being serviced by Rushmore Loan Management # XXXX. I refinanced into an FHA streamlined with XXXX XXXX who they also service loans for. My loan closing was on XX/XX/XXXX with a right of recession for XX/XX/XXXX. XXXX XXXX wired the funds for my closing out to Rushmore on XX/XX/XXXX. When i looked at my account online it reflected a posting date as of XX/XX/2021, which was incorrect due to the wire being sent on XX/XX/XXXX. I do know that there is a Fed reference number that will reflect the wire transfer and that by law the company is to use this date for receipt of funds. I called and spoke with a manager on the XX/XX/XXXX who stated that the system coming into a new year and they coming back into the office on the XXXX had a glitch and they would be updating the date to reflect the XXXX. Today i spoke with XXXX ( manager in customer care ) who stated i needed to submit the fed reference # which he knew i would not have to get the date corrected. The payoff good thru XX/XX/XXXX that i ordered showed {$320000.00} ; however they were paid {$320000.00} which was the good thru to XX/XX/XXXX. I am due a refund of my difference which this company has not issued out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, Transunion you are reporting a highest balance of {$450.00} while XXXX is reporting a highest balance of {$440.00}. These numbers are inconsistent & are supposed to be the same if your are receiving them from the same creditor why are these numbers different?

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 2021-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have sent a few CFPB responses in regards to Bridgecrest and they have not been properly resolved by Bridgecrest. The Fair Debt Collection Practices is intended to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuse This includes Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit results from an awareness of the cost thereof by consumers. I have been deceived by Bridgecrest. This includes them providing false and misleading information during my consumer credit transaction. I am a Federally Protected consumer that has not received sufficient information on the verification of the alleged debt. Bridgecrest has threatened to disable/repossess property that is mine, continually attempts to collect on an alleged debt after I have sent a cease and desist 15 USC 1692c ( c ). It has been unauthorized use of my credit card in which I did not benefit from Pursuant 15 USC 1602 ( p ). Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
*******see attachments for detail supporting******* Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX  they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX  from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: VA

Complaint narrative:
My car was stolen was stolen on XX/XX/2020 and report to the City of XXXX Virginia on XX/XX/2020 with a report number of XXXX. The person who stole the car was in an accident XX/XX/2020. I know nothing other than this about the accident. The person was hit by the stolen car had XXXX XXXX XXXX. My insurance, XXXX, denied the claim in the accident since the car was stolen. National Service Bureau is attempting to collect a subrogation claim on behalf of XXXX XXXX from me to the value of {$4700.00}. 

I received a letter asking for my insurance information and my insurance responded on XX/XX/2020. National Service Bureau continues to try and collect on a debt that is not owned even after they were contacted by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/21 received letter about a balance of {$1600.00} - XX/XX/21 went on XXXX XXXX XXXX XXXX XXXX XXXX WEBSITE - made a payment plan to pay down debt - XX/XX/21 received a summons to appear for conference mediation regarding said debt. No notice, no nothing, some random guy showed up at my house - said you are being served, handed me papers and walked away. That was it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Hello, I am refinancing an existing USDA loan from Cornerstone Home Lending , Inc., existing lender ( Company NMLS XXXX ), to XXXX XXXX ( the new mortgage company ). A payoff statement was provided on XX/XX/XXXX that had the below payment information ( it is attached ). The original payment amount was {$260000.00} through XX/XX/XXXX with a daily per diem of {$34.00} per day for any funding date after XXXX. By adding an additional 13 days of per diem interest through XXXX, XXXX collected a total of {$260000.00}. XXXX and the title company wired the {$260.00}, XXXX on XX/XX/XXXX and should have been enough money until the end of XXXX. That should have allowed for another 3 days for the funds to arrive to Cornerstone without being short. 

The payment was rejected, I am still not completely unsure why but supposedly there was an escrow shortage. I confirmed with Cornerstone that I had a positive escrow amount remaining of {$140.00}, therefore the payment was incorrectly rejected. See math below. 

Payoff Statement XXXX Payment due by XX/XX/XXXX = {$260.00}, XXXX + {$34.00} * 13 days = {$260.00}, XXXX {$260.00}, XXXX was good through XX/XX/XXXX according to the Payoff Statement from XXXX and the money was forwarded on XX/XX/XXXX, providing three days of additional interest above and beyond what was sent. 

My escrow amount has a positive balance of {$140.00} and was not short. The payment should not have been rejected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received at late fee on my Capital One Credit Card account ending in XXXX on XX/XX/XXXX.Due to the pandemic I have been facing difficulty & asked for this fee to be waived. When speaking with a representative I was told the late fee could not be waived & the representative could not tell me why- further stating the computer does not give the reason for denial. I did hear another representative issuing a fee waiver for another customer while speaking with the representative.Capital One is refusing to extend the same courtesy to all its cardholders, which is discrimatory, why am I not given the same courtesy as other cardholders- furthermore why is Capital One refusing to give a valid reason as to why Im being denied the courtesy. Capital One wants to avoid admission by creating a false narrative- blaming the denial on a computer generated system. Computers are programmed to operate as intended- it is unethical for a company to deny a consumer the same courtesy as all cardholder- that is infact discrimination, while blaming the denial on a computer generated & refusing to give the cardholder a reason for the denial. I spoke with a representative in a leadership position by the name of XXXX XXXX & was told I could not be given more information the system simply said " I did not qualify '' - however- Capital One has stated cardholders are given a courtesy each year, XXXX reminded me I was given a waived fee in XX/XX/XXXX ( during the pandemic ) ; it is now XX/XX/XXXX- the pandemic is still affecting milliions of people- why am I not given the same courtesy as other cardholders for the XX/XX/XXXXyear.? Capital One is using discriminatory practices by not offering the same courtesy to all its cardholders, this is unethical, discriminatory which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: MA

Complaint narrative:
*******see attachments for detail supporting******XXXX Dear Manager at the Credit Bureau ; Im a little shocked today! Can you help? Btw, happy XXXX XXXX! 

I just refreshed my credit report once again and honestly, I was shocked and surprised that these 3 negative accounts are still reporting on my credit report. I dont understand how is it possible that you actually stated that you VERIFIED this account as ACCURATE. As you can see the screenshots below, and Ive circled the inconsistencies, misleading and incomplete info on the way its reporting. Its my understanding that you must conduct a reasonable and thorough investigation not the computerized 2-digits number through e-oscar. I can not accept pre-printed template results, and this shows that youre NOT in compliant with the consumer laws. Saying that you verified, is a binding & legal contract that I can hold you against. I can promise you that its impossible that you verified these accounts below on the screenshots because they are reporting 3 different dates of LAST ACTIVE, LAST PAYMENT, LAST REPORTED, OPENED DATES, inconsistencies with payment history and payment status, etc. Its impossible and this is in violation of FCRA! Even the High Balance and actual balance is questionable! Also, wasnt both XXXX, XXXX, and XXXX sued before for not compliant with FCRA by FTC and Cfpb? Especially XXXX, for not applying for the payment currently into the consumers account? Im sure they were sued and forced to pay the consumers and removing the derogatory remarks!!!!

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 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: RI

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX and their debt collector Rausch Sturm are using threats of a lawsuit to attempt to collect a debt that is not owed. They are doing this in violation of the FDCPA. They know that they can not prove that I owe the debt in court, because it was the product of identity theft so they are using a threat of legal action in order to try to fraudulently collect on a debt that I do not owe. They should be fined under the FDCPA and now that President Biden has been sworn in, I would expect that the CFPB will start actually doing its job again which means bringing lawsuits against these rogue debt collectors that were allowed to flourish over the last four years. 

The XXXX credit card that they are trying to collect on was paid in full about four or five years ago. I actually took out a HELOC and consolidated credit card debt. The account ( along with a few others ) was reactivated and used by an identity thief. XXXX, XXXX, XXXX XXXX XXXX and Rausch Sturm have all been supplied with the police reports and the FTC reports. YET they continue to try to fraudulently collect on this debt in violation of the FDCPA. I understand that the former chair of XXXX was a close friend of the former President, Donald Trump, and that may be why CFPB never did anything about this before -- but now, we have a new President who is upholding the laws, so I would like the FDCPA enforced in this matter and in ALL accounts that XXXX if fraudulently trying to collect on.

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 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
the compay name is monotronics alarm security, i was another company & it was with 2 other companies, this acct is still being sold & keep on being added to my acct. the acct. was recently & then with XXXX XXXX!! WICH WAS DISMISSED & NOW IT IS SOLD AGAIN because it stayed on my credit report for XXXX now they found another company MOUNTAIN RUN IN XXXX UT.I have been contacted by this company I DID NOT KNOW that could keep trying to sue me this many times from a company after selling this account so many times & was classified as a write off!!! each company is adding on thier charges!!! & trying to me i am a widow on a fix income from my husband, i also have XXXX grand kids i have no excess money!!! anymore information needed contact XXXX  CONSUMER XXXX CALL THEM FIRST & NO ACTIONS WAS TAKEN I DO NOT THINK THIS FAIR!!!! IAM NOT A RICH PERSON!!! 
MY ACCT. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PH XXXX I NEED THIS TAKEN OFF OF MY CREDIT REP0RT MY HUSBAND HAS BEEN DECEASED FOR OVER 10 YRS I HAVE TO DO EVERY THING ALONG THANK - YOU XXXX XXXX XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation