vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
Rushmore management 's response to me is a non-response just like the previous ones. This case is NOT closed. Rushmore has one of the worst reports by consumers. There are 1700 complaints on this very site about Rushmore. Their concerns and complaints are very similar to mine.

Rushmore is not explaining how come they jacked up the monthly payments from XXXX to XXXX dollars. The escrow and insurance can not jump up by XXXX dollars. I have paid them in order to comply but from XX/XX/XXXX and now XX/XX/XXXX I have paid XXXX dollars that it is not even showing. When I called their number it says you owe XXXX dollars!!!!! That is a big LIE. 

I also paid more than 3300 do VA Dept of Taxation so in fact they are double charging me. I am asking for a supervisor or someone high up to CALLL me. 
When you call you usually get to talk to someone in the XXXX. I have also requested to know who their investor is. They have not provided that information. I am demanding what I have demanded before. Nothing is changed and their reply is a Non-reply. My house is mine and their way of charging a homeowner who is struggling to keep her only asset is deplorable and unconscious. I am demanding a reply. This company can not overcharge people and then expect no complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: OH

Complaint narrative:
For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they  just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over XXXX XXXX dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection  but have been with XXXX  for 5yrs! I have a first XXXX XXXX XXXX collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts

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 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Deposit was done via atm on XX/XX/XXXX. The same day the bank reversed the deposit. I immediately call the bank to get an explanation on why the deposit was reversed and they said it was due to endorsement. I had review the deposit and endorsement and they admitted to making en error in the reversal. The funds were to be available on XX/XX/XXXX as per the original deposit slip. On XX/XX/XXXX the atm department redeposites the check. However, this time the put an extended hold until XX/XX/XXXX. I have submitted proof the check cleared the bank and the check was paid on XX/XX/XXXX. Even with supporting documentation they have not released the hold claiming the funds are u collected. In the meantime my business is on hold due to lack of working capital.

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 2019-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2019. I sent {$200.00} through Chase Quick Pay with XXXX to purchase two tickets to a XXXX XXXX game from a seller on a XXXX XXXX XXXX tickets page. The seller never transferred the tickets through XXXX as they said they would and subsequently deleted their XXXX account. I immediately contacted Chase, who states they can not return the payment or stop it even though its still pending. They also stated they cant tell where exactly the money has gone in this instant transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-05 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: OH

Complaint narrative:
For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX  for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts

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 2019-01-05 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: OH

Complaint narrative:
For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: IL

Complaint narrative:
After making a single sale on XXXX, PayPal froze my account and created an error described as " Your account access is temporarily limited ''. I was not notified that my account was frozen by any means ( call, text, email ), and only until I attempted to make another sale was I notified of the account freeze. 

I use paypal for multiple reasons including payment to friends, business transactions, and selling goods on websites such as XXXX and XXXX, where paypal is the only verified account that can be used to sell goods on these sites. 

Since XX/XX/XXXX, I've been attempting on a daily basis to have my account reopened. On XX/XX/XXXX, I submitted my driver 's license and a copy of a receipt for the good I sold on XXXX. I was told within 48 hours it would be reviewed and resolved. 

On Thursday, XX/XX/XXXX, I noticed my account was still locked. I called paypal ( since they have no chat option ) and the estimated wait time was between 1 hour to 1.5 hours. I received a call back and was told a ticket was put in to escalate my issue and that within 24 hours it should be resolved. 

On Friday, XX/XX/XXXX, I called back as my account was still locked and was told " the ticket had been closed '', but given no reason why. The call center rep informed me that the issue would be resolved and that I would have immediate access to my account. Both times I was speaking with call center agents in XXXX XXXX. 

As of today, XX/XX/XXXX, I still do not have access to my account and am attempting to call back again. This delay has hampered me in selling goods on websites that require PayPal, and I still don't understand why my account was " limited ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. 
On XX/XX/2018 I called KOHLS/CAPONE @ XXXX and spoke to XXXX a CSR and XXXX whose in Fraud, who did give me a future contact number of a dispute line XXXX and a Fraud fax line of XXXX. 
During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
They confirmed the location of billing address at XXXX XXXX XXXX XXXX and the last four numbers XXXX in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, not a receipt or copies of my application or the agreement that I'm to be held for regardless of what may be laid out in the UCC. and the investigation would take thirty to sixty days to resolve the discrepancies.. 
That call was @ XXXX for 20 min. 25 sec.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
Navient also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Leachman Law, P.C.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX agreed that I would pay a {$1900.00} by XX/XX/2019. In return they would not contact my new employer. I told them who I worked for and paid the total amount by the due date. They still contacted my employer before the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for the Citi Double Cash Credit card online ( 2 % cash back ) around XX/XX/2018. After 2 days I called Citi to inquire about the application. I was told my credit is not a concern but they need to process me through their security. 
I was told they will get in touch in me. On XX/XX/2018 I got a notice of an incomplete application. There were no specifics only a number I should call. So I called Citi. I was put through the security department. I inquired why have you stopped reviewing my application what information did they need from me? The agent asked me what number can I be reached at. I told him the one I am calling from and that this is my cell phone and only number. The agent then asked me is there no other number that I can be reached. I said no and he agreed to call me back in 5 minutes on my cellphone so that he can verify I am who I say I am. Agent did not call back. I called that department again three times during that week and I was given the run around and eventually I was told my application has been declined and that a written notice to explain why had been sent out. On XX/XX/2018 I got the notice of a declined application where they said we couldnt verify the accuracy of the information you provided. I am writing this complaint because Citi handled this item very poorly and unprofessionally. I made myself available and I called the number as asked. The agent did not do anything to try verify the so called information they needed. Citi ran my credit and impact my credit score and they should be held accountable.

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 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into a Wells Fargo branch to close my account. Working with a personal banker, I transferred my checking account balance to my new account. I specifically asked to ensure that all pending transactions on my Wells Fargo account would be completed without issue. 

The banker assured me that I would not be charged a transfer fee and with that assumption calculated what balance should remain in my Wells Fargo account. I was subsequently charged a fee, causing my remaining balance to fall below the amount needed for my pending transactions. As such my rent check bounced and I was charged an additional {$25.00} by my landlord per our contract. My Wells Fargo account also retained a balance as the expected check did not clear. 

I went back into the branch to re-close my account and receive a credit for the {$30.00} transfer fee I was assured I would not be charged. At that point the branch manager, XXXX XXXX yelled at me, told me I was a liar, and said the fees were my fault. XXXX was not involved in my account closing prior to that incident and did not have any context on the matter. Still, I'm out {$55.00} and felt accosted as a customer at the bank.

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 2019-01-05 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: OH

Complaint narrative:
XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

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 2019-01-05 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: OH

Complaint narrative:
XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX has reported me late multiple times while i was a student and under in school deferment. They refuse to report all months most months aren't even reported and most the ones that are are wrong ... i was never late.. 
XXXX also reports i had a high balance of XXXX on 3 or more loans.. meaning id have over 1 million in student loan debt for my XXXX XXXX XXXX! I actually owe XXXX total

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 2019-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is not reporting my correct score with them and also with the other credit reporting agencies ( XXXX and XXXX  ). 
TransUnion has recently provided me with a credit report without providing me with my credit score. They ask for a charge to provide me with such information. 
I pay TransUnion monthly so I can have access to their website and I can monitor my credit score. 
Unfortunately, all the scores ( TransUnion, XXXX, XXXX ) online through the TransUnion site are wrong and not updated. 
Also, I had a derogatory issue in my credit, and it has been disputed and deleted by XXXX and it still appears as an Alert through the TransUnion Site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Original Balance : {$11000.00} Balance Updated:XX/XX/XXXX Debt was result of Identity thelf

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
portfolio recovery is making numerous attempts to collect debt that im not sure what the charges are? this is adversely affecting my credit ... all other debts are paid and are current, not sure what portfolio recovery is trying to collect monies for, have not received any written notification of this debt. numerous phone calls to my phone while im @ work and @ home are annoying, they also tagged my phone so when im on another phone call they try to call in. this seems to be illegal that they know when im on my phone? would like to resolve this matter, so it is not affecting my credit score for  future loans and or services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
I set up automatic {$400.00} payments every two weeks to my landlord through regions bank who was using a 3rd party called XXXX to transfer the funds. I then received a large sum of money from my company to move to a new city for a relocation package and I set up a new automated payments for my new landlord. Well as soon as I did that regions locked me out of my account and prompted me to call the XXXX number. I called them and they told me I would have to go into my bank to gain access to my account. I live 5 hours from a Regions bank so I could not do this. They also cancelled the automatic {$400.00} payments which was fine because I moved anyways and paid my landlord with a money order for the last payment. 



I was also still able to use my debit card just can not see access my account online. 



I was finally able to go home for the holidays and stop by a regions bank. Apparently my account was marked for fraud and thats why I was locked out. Even though no fraud was done. The lady at the bank had to call an internal fraud hotline. After being on hold for an hour she said I could go and she could conference me in the next day, several days after this, and trips made to the bank by my grandparents on my behalf I was able to gain access to my account. 



Well even though for 2 months regions stopped the {$400.00} payments to my previous landlord. Guess what the first thing they do is? TAKE {$400.00} out of my account!!! 



Called regions immediately and of course they are saying they are opening a case that can take 5-7 business days!!! But now they are not using XXXX anymore its a new company called XXXX. I told them I never authorized XXXX to take money out of my account and the customer service rep told me they notified customers they where switching to XXXX by their website once you logged in on XX/XX/XXXX. When I did not even have access to my bank 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 monetary relief