vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
I had a repayment plan with XXXX XXXX XXXX in order to keep my home. I have made payments on time every month since XX/XX/XXXX. I filed a complaint with CFPB towards the end of last year against XXXX because they would not work with me in regards to the balloon payment. I requested extra time because I am on a leave of absence from my job because of a XXXX XXXX. After filing the complaint, XXXX agreed to work with me and stretched out my payments. I received a letter in the mail XX/XX/XXXX stating my mortgage has been sold to Rushmore Loan Management Services. I  called the relationship manager assigned to me, XXXX XXXX. I left a message on her voicemail asking when and where I need to send my check for XXXX 's mortgage. I have never received a call back from her or anyone from Rushmore. I have received paperwork stating my house would be in foreclosure, again. I only have about six months left and a balloon payment left on my repayment plan. I do not want to loss my house or start this over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for an Amex Gold Business credit card. The promotion stated spend {$5000.00} within the first three months and receive XXXX bonus points. I did that. Its been six months and I havent received the bonus points. I received this card in XX/XX/XXXX. I spoke to a rep from Amex in XX/XX/XXXX. She told me she was going to open a case and I would receive my bonus points within 6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX I received a notice from Navient that my student loan payment would go from {$42.00} to {$880.00}. That amount is beyond my limit at this time. I am XXXX XXXX XXXX and my XXXX XXXX   amounts to {$2100.00}. I requested a graduated lower payment because i have an expensive car payment and high medical bills at this time. I will have these paid within the next 12 months. I have made repeated calls to Navient. On XX/XX/XXXX I was told that the amount could be reduced to {$570.00}. That amount is still too much. I could pay about half that much. Can you assist me in this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: OR

Complaint narrative:
On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, XXXX  and TransUnion ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.

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 2019-04-02 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, Experian and XXXX ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.

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 2019-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: SC

Complaint narrative:
I have a collection on my credit report from a collection agency called Professional Bureau of Collections who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. Professional Bureau of Collections does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2019, my sister XXXX XXXX XXXX, sent a telegraphic transfer for {$20000.00}, from her Citibank LA account # XXXX to me, XXXX XXXX XXXX, into my US dollar account in XXXX XXXX XXXX with account number # XXXX. We also provided the banks XXXX code XXXX The Telegraphic Transfers reference number is # XXXX for which she paid {$45.00} for the transfer. The Bankers code is : XXXX, XXXX The transfer was supposed to be made available to me on or before XX/XX/2019 however, to this day ( XXXX ) I still don't have the funds! 

I provided my bank with the confirmation and followed up but they were also surprised that the funds have not been remitted. They claim that there was a problem with the way the money was sent. It was allegedly sent in XXXX when it should have been sent in dollars. 

My sister complained to the bank but they said as far as they are concerned the money has been remitted to Citibank XXXX. We argued that we have not received the funds but they are unable to tell us where the money is and how it will be resolved. Furthermore, they also said that the investigation will take up to 90 days! 

I can't believe that this can happen! I desperately need my money and the bank that messed this transfer is not forthcoming with a solution. 

How can this happen??? This should be investigated. Who will pay for the interest payments that I am now charged for missing my payments? 

I hope you can look into this and help me recover my money. 


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 2019-04-02 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
There is an issue with your account, Please contact Customer Service at XXXX. 
You will not be able to make purchase with your card until you contact customer service. 

I was trying to make a purchase and the Synchrony bank inappropriately tagged the car part as fraud and 3 times denied my purchase the item cost was {$350.00}. While the vendor was on the phone they rejected my card and when I called they marked my purchase as fraud. Numerous phones calls were made to rectify this issue and they refused. The fraud department employees claimed they could not validate my identity and insisted that I take a picture of my drivers license or take a video. Apparently there is a language barrier as the calls were routed to XXXX and the employees were rude and unprofessional. They called me on my home number I answered and my cell and stated neither number which they have on their credit card record is registered to me. I find that UNBELIEVABLE AS THEY SEND ME TEXT MESSAGES AND THE OTHER NUMBER IS ON MY ACCOUNT PROFILE. The credit card is current and in good standing since 2011. I

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 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I sent a certified debt validation letter to Harvard Collections Services on XX/XX/2019. Harvard Services received the certified debt validation letter on XX/XX/2019. On XX/XX/2019, Harvard Collections sent me letter stating that they have the ( {$780.00} ) bill and the XXXX in the " Amount You Owe '' does not mean that I have a XXXX balance. Harvard Collections Services has failed to provide me with proof of validation- did not include Medical Consent,  contracts with my original signature from the Original Creditor and not the collection agency. In addition, Harvard Collections Services revoked the authority of its registered agent in Florida to accept services on its behalf on XX/XX/2019. Therefore, Harvard Collections Service is not legally licensed or bonded to work in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Had a PNC virtual wallet account that was in good standing, and I closed it over 2 years ago, in person, at the branch. I kept, however, getting statements that showed a {$0.00} balance and notices from PNC that my account address had changed after every time I moved, and every time I called PNC bank they told me that their system had been undergoing maintenance, so they were unable to even locate my account, let alone close it. 1 year ago the representative assured me that my account was closed, but today I got another letter from PNC bank telling me that it was to " confirm an address change request submitted by you or a joint account holder either to PNC directly or through the US Postal Service. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: GA

Complaint narrative:
I do NOT have a debt problem, nor have I ever had one. Within the last 4 days I have gotten 3 calls from this scam company by the ERC Research ; I received a call on a Wednesday after ( XXXX ; XXXX ) ; another on Saturday ( XXXX ; XXXX ) and Monday ( XXXX ; XXXX ). Their number has been pegged numerous times on XXXX notes. I would appreciate if you could eliminate these aggravating people from calling ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Ascendium Education Group
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, Ascendium, aka XXXX XXXX XXXX, aka USA Funds, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XX/XX/XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as Ascendium education solutions Inc fka USA Funds I sent a second request for validity XX/XX/XXXX I received a response letter from Ascendium Education Solutions Inc C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/18, i made a charge on my credit card payable to the state of ca department of motor vehicles. around this time my credit card company notified me of potential fraudulent charges on the card. they contacted my wife and asked about recent charges. at the time she did not recognize the dmv charge and when questioned by citibank along with other charges. she was told that in the event the charge was legitimate, we can have them reprocess the charge. the charge made on the credit card was a dmv vehicle registration renewal. we later called and notified citibank that the charge was legitimate and had them reprocess that claim. on XX/XX/18, i receive a letter from the dmv that the charge was credited back to my citibank account and now owe the sum of {$200.00}. on XX/XX/18, i went to my local dmv to try to resolve the matter. i showed them the initial charge of {$200.00}, the reversal, and the reinstated charge. according to the dmv, they would not be able to accept my records as a form of payment and needed to pay either by check or cash since my credit card initially defaulted. so in order for me walk out with a valid vehicle registration, i would need to pay again in the form of a check. at this point i called citibank to reverse the charge made to the dmv but can not do so because dmv must do it. its been almost 6 months and i still have no resolution. I've contacted supervisors at citbank with no such luck. essentially my issue is i paid twice for my vehicle registration renewal.

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 2019-04-02 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: SC

Complaint narrative:
I have a collection on my credit report from a collection agency called XXXX XXXX XXXX XXXX who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. XXXX XXXX XXXX XXXX does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint. I previously disputed this collection with Transunion but it came back verified. There is no way this account was properly verified because the original account can not sell the account due to arbitration. I called to speak with someone who informed me that they have not violated the arbitration clause and that they did not sell the debt in which the amount and last date of payment is incorrect as well.

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 2019-04-02 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my small claims form, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: PA

Complaint narrative:
CRA IS IN VIOLATION OF FCRA, FDCPA, DODD FRANK ACT, METRO 2 COMPLIANCE ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX authorized a fraudulent transaction of {$700.00} made by Capital One using the bank routing number and my account number from a phone call payment to them. Neither company had verifications in place and will not review this case despite the fact I do not have an account with Captail One. This  type of theft is too easy as it is on everyone 's personal checks. 
XXXX has also cited a 60 day rule that they can't do anything however federal law 1005.11 cites 60 days after statement is sent ( I would reasonably expect my XXXX statement in XXXX ) that would not be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cashcall continues to report an account as a chargeoff to my XXXX and XXXX credit reports. I have paid this account in full and have a letter from XXXX XXXX XXXX verifying the payoff and that it should have updated to my credit report to release me of financial and legal obligations in regards to the Cashcall account. The letter is showing paid in full on XX/XX/XXXX. I tried to do a debt verification with Cashcall and they keep referring me to XXXX XXXX XXXX as a sold debt with a refusal to update the account and they are now sending it to collections and skip tracing ; vindictively. I have spoken to that company that sold the debt to XXXX XXXX that sold it to XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX today XX/XX/XXXX and they are no longer in business. 
The first delinquency was also reported on XX/XX/XXXX. With the date being XX/XX/XXXX. This should be removed via the 7 year rule as well. 
XXXX refuses to update an account that has been paid fully back in XXXX. I also have two legal cases in regards to their collection activity in California being deemed illegal for unconscionable interest rates and therefore uncollectable. Refer Supreme Court XXXX XXXX XXXX XXXX  XXXX vs. CashCall Case # XXXX XXXX circuit No. XXXX and United States District Court of XXXX District of California Case No. XXXX XXXX Consumer Financial Protection Bureau v CashCall.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation