vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
When I first applied for assistance, after my COVID forbearance had ended I was not in foreclosure. I sent my documents in on XX/XX/XXXX. 
I resent the documents directly to my relationship manager on XX/XX/XXXX. He was very helpful and emailed me right back confirming receiving the docs on XX/XX/XXXX. ( see attached email record ) I called in to see if my package was complete and I was told to send in additional documents, which I did on XX/XX/XXXX ( see attached email record ) After submitting the corrected XXXX XXXX XXXX additional Bank statements, and my Tax Return extensions on XX/XX/XXXX, I called in and was told that I needed to send the same documents in again. On XX/XX/XXXX I did AGAIN and included an explanation, to help with any confusion. ( see attached email record ) Again, I called in, again I was asked for additional documents, that I had already submitted, so again on XX/XX/XXXX I sent them in. ( see attached email record ) When I called in again to check on the status, I was told that the SAME documents are missing, but that now my loan was in foreclosure. 
I am now resubmitting the package and the missing documents AGAIN, which I was told to do before a sale date was scheduled. ( see attached email record ) I am worried that I will continue to go back and forth with the same documents requested and the same sent in over and over until there will be a sale date and I will not be able to save my home. 

To complicate and delay things further, the hours listed on the application are not the correct hours that they are open, see attached. They are open until XXXX, but on correspondence, it says XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My husband and I recently applied for a loan for a co-op. Upon checking our credit scores, they informed me I have an account that was sent to a collection agency, Portfolio Recovery Associates , LLC. I called them and they informed me that I have an account opened with XXXX XXXX, XXXX credit and I have incurred charges in the amount of {$2200.00}, which was never paid and was eventually sent to them for collection. I informed them I never opened a credit card with XXXX, I do however have an account with XXXX, but that is linked to my bank account and XXXX XXXX card, but it is not a credit card. Furthermore, the email address listed for the account is not associated with me and the mailing address they used, I had not lived there in over twelve years and my parents have not lived there in the past six perhaps seven years. Additionally, the account opened in my name is in my maiden name, I have been married since 2018 and my last name has been changed. I spoke with several representatives at Portfolio Recovery Associates , LLC, who informed me they will open an investigation into my account for fraud. 

I also called XXXX XXXX  and XXXX ; and informed them as well. I gave them the same information as I did with Portfolio Recovery Associates , LLC. The representative I spoke with at XXXX informed me they do not see any credit cards opened in my name for them. The representative for XXXX XXXX, however, stated they will open an investigation into my account for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank issued me credit card XXXX XXXX ending XXXX after XXXX year using my card never defaulted payments even paying my balances after using the card bank restricted my card because i paying card multiple times a month.Capital one claim they need prove that bank account belong to me i did it even we have conference call with my bank and they still say need aprove that account belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

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 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 *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I believe I'm being defrauded of my property. Telephonic attempts have been denied and a late fee was added immediately upon their loan takeover even though their lack of preparedness caused them to be unable to take a payment because they could not find my account. They've denied me a loan modification telephonically. So I am now restricting communications to written communication. I believe they are a predatory company fully intent on defrauding me of my property. I don't make this accusation lightly, but based on their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
15 u s c 166b a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason.

15 u s c 1681 sec 602 a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Purchase a puppy from an online breeder. Payed with Zelle. Paid {$850.00}. 
XXXXXXXX XXXX wanted money for a larger crate. {$1600.00} No puppy came and no refund. Then they wanted more money for insurance. 
I have emails, text messages and pictures I have filed with the local police and tried to get the bank to stop payment or refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, Transunion, XXXX ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello this is my second complaint against Chase at this point. CHASE IS NOT listening to me about my dispute. I am not disputing this credit card, I know this is my account, I am disputing charges on this credit card that I did not make. Yes I have made payments on this account because this account is mine. I AM NOT disputing the account I am only disputing charges that were made without my consent. I am attaching the latest communication I received from Chase in this complaint. THEY ARE NOT DOING WHAT I ASKED AND THEY ARE NOT LISTENING TO ME. I need them to refund my money on the purchases I did not make. Please review this dispute again for the fraud charges on both my chase cards. I do not shop at XXXX I do not eat at XXXX, I do not use my phone to pay for things at XXXX. I did not make these purchase on my credit card. Please do another dispute investigation for these fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit Bureaus stated my accounts was properly investigated but how is that possible if the open dates is inaccurate, the dates last active is inaccurate, and date last reported is not accurate. This ground for removal they aslo violated my rights under 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 a account withou my written instructions. 

Accounts listed below 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

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 2022-05-02 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: KEYCORP
State: DC

Complaint narrative:
Essentially, my credit score took a nose dive in XXXX as I was in the process of searching for a new home to buy. I discovered a student loan lender, KeyBank, has filed a charge-off of {$62.00} from XXXX, but only reported it in XXXX. 

In XXXX, XXXX, I attempted to contact KeyBank to resolve this mistake and fix my credit. Having paid-off all my student loans in XXXX or XXXX, I do not have any documentation from those loans. I provided the information that i did have over the phone to " XXXX XXXX '' who is supposedly the highest level of complaint at KeyBank. 

On XX/XX/XXXX, XXXX sent a letter saying that I owed {$62.00} for some loan origination fee from XXXX with no proof or documentation ; merely a cursory two line statement with nothing to back it up. I took out my loan in XXXX and paid them off in XXXX or XXXX. 
I requested all available information and any documents. To date, XXXX has not only refused to provide any documentation, she has refused even the courtesy of accepting my phone calls or returning. In fact, over the weekend, XX/XX/XXXX, I received a letter from XXXX stating that a response to my inquiry was enclosed. There was not attachment, only a reference in the latter to the XX/XX/XXXX, letter. 

In early XXXX, I submitted a separate request to XXXX for additional information. In a letter dated XX/XX/XXXX, I was provided with the promissory note information from XXXX. Nothing from XXXX or from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Deposited a check at Truist Bank in the amount of {$25000.00} issued by XXXX XXXX thru ATM. Deposit was flagged and sent to Fraud Department for review on XX/XX/22. Contacted the bank on XX/XX/22 inquiring on why we were not able to access our personal funds and was told that the account was frozen until a Fraud investigator could review the account. XX/XX/22 went into local branch office to try and resolve the issue was given number to call the fraud department. Contacted fraud department and was told that the check deposited was under investigation could take up to 7-10 for our personal funds to be released. Branch manager called on XX/XX/22 stated she spoke to the Fraud Department and was informed they were closing the account and we would no longer be able to do business with Truist Bank. Contacted Fraud Department on XX/XX/22 asking when we would have access to our personal funds was told that this was still be investigated and they would contact me within XXXX hours with an update. We have not had access to our personal funds since XX/XX/22 this has caused a major hardship as we have over {$8000.00} of our own money in that account. We do not believe it is legal to hold someone's personal money and would like to have them investigated for such inappropriate action. We have had our account for approximately 35 years starting with XXXX XXXX merged with BB & T merged with Truist Bank. This has got to be one of the worst banks anyone has ever had to deal with from waiting on line for over 2 hours to speak with customer service rep to final getting a representative who lacks the knowledge to do the job and answer the consumers questions. The only response they give is we understand without resolving the issue. This bank should be put out of business by the government.

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I live and bank in XXXX XXXXXXXX XXXX 
On XX/XX/2022, at XXXX pm XXXX, I received a Bank of America debit card in the mail from the Employment Development Office with a statement that {$1000.00} had been deposited into my account. 
At XXXX am on XX/XX/2022 XXXX, I tried to activate my card only to discover that someone had hacked my account and transferred the money to a routing number somewhere XXXX XXXX 
On XX/XX/2022, after endless back and forth with Bank of America and EDD, I filed a fraud claim with Bank of America, Claim # XXXX. 
On XX/XX/2022, Bank of America denied the claim, stating that no error had occurred. 
On XX/XX/2022, I called Bank of America to dispute my claim and was told that my claim was rejected because I had not filed a police report with my claim. That morning, I filed a police report in XXXX XXXX, XXXX where I live ; and I faxed the request for reconsideration to Bank of America. 
On XX/XX/2022, I received a letter from Bank of America stating that they concluded that their original decision had been correct. 

The reason I am filing this complain is because Bank of America is not taking responsibility for losing my money. How could I have possibly accessed that money if my card had yet not been activated? Why did they put me through the unnecessary time and expense of getting a police report? 

Furthermore, when I spoke to the Fraud Department at EDD, they told me that this was a common problem with Bank of America in the XXXX XXXX XXXX XXXX. 
Evidently, Bank of America has a history of this kind of mistake and were admonished by a judge that they were making the claim efforts against them onerously difficult.

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 2022-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX XXXX XXXX XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: NC

Complaint narrative:
On XX/XX/2022 I have contacted Transition about unathorized inquiries on my credit report. I have filed the correct FTC report as I was helped by a representative with Transunion. In caliinig now, they want me to file a new report and sign it, There is no area on the report or online to add a signature. This is a disgusting abuse of power.

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 2022-05-02 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 ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

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 2022-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
home depot credit service refuses to credit payment from account money debited from bank account refuse to answer repeated calls inquires home depot is a bad faith credit and sales company they also dely credit reporting by months at a time

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