vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
I have contacted Rushmore Loan Management for approximately two years now, in writing, via phone and email. I have filed a XXXX   complaint. 

While they are polite and keep responding to me in kind, they have not addressed the issue. 

There is an amount showing on my monthly bill as " short interest '' in the amount of {$7800.00}. I have requested that they detail how this amount was derived - yet they keep sending me some arbitrary documents ( for example, the loan documents I signed, and some financial pages of transactions - none of which correlate or add up to a short interest amount of {$7800.00}. ) They have written to me again, denying my request to remove this amount from my billing statement, indicating they have " providing the payment history for the life of the loan '' - however - none of the documents they have provided show me specifically when and how I accrued a short interest amount due of {$7800.00}. 

I am very worried and frustrated, and seriously do not know what to do or where to turn. Please help me resolve this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: FL

Complaint narrative:
Someone has open fraudulent Account Under My Name that I Did not Authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone has open fraudulent Account Under My Name that I Did not Authorize

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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
I enrolled with Freedom Debt Relief XX/XX/2018. They made extensive promises to settle my debts within 6 months. After just one year, they only settled one debt, and I have been taken to court three times by creditors. Each time Federal Debt Relief said there was nothing they could do, even though I also purchased their legal services. My credit score has dropped by over 100 points, my debts are behind, but the company has charged me a myriad of fees. It has been a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION
State: AL

Complaint narrative:
My wallet was stolen, and attempts were made to use my credit cards. I filed a police report, and they located the people who were using, and attempting to use, my credit cards. 

The detective handling the case needs information about the attempts to use the cards. One of the banks refuses to provide the information even though both me and the detective have been to the bank on three separate occasIons ; I filed a complaint with the bank 's complaint line, I called the fraud department three times, I wrote the XXXX. I've gotten no response. 

At first, the bank refused to provide the information, saying that only if me and the detective went into a branch together. When the police detective and I went to the bank together, a woman helping us showed us the attempted uses of my card on her computer screen but refused to download it or take a screen shot for the detective, saying she " couldn't ''. I read off the information and the detective wrote it down by hand. When he took the investigation to the DA 's office, the DA wanted him to get a bona fide transcript of the time, date and location of the times the thieves attempted to use my credit card. 

I went back to the bank, requesting a print-out of the attempts to use my stolen credit card. The woman was on vacation and nobody else could get the information. I called the fraud department again, and was told that this isn't the first time he's heard of this problem and that I should get a " warrant '' -- I think he meant subpoena. Why should the police have to issue a subpoena to get information to prosecute people committing credit card fraud? Why does the bank refuse to cooperate in prosecuting credit card fraud? There is something really wrong going on here because the last fraud department person I spoke to told me this isn't the first time people have called saying the bank won't cooperate. 

I can not view the bank 's actions in any other light than aiding and abetting credit card fraud, and apparently that policy is institutionalized within the bank. This needs to be investigated.

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 2019-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2018 a Credit card payment was made and posted to the same online account as we have two Capital One accounts. Rather than two payments to two separate accounts. 

Payments were made on time. The only error was both payments posting to the one online account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Equitable Acceptance Corp
State: AZ

Complaint narrative:
File shows as charged off as a loss account, the dealer whom the items were purchased from told us when we got the items, if we are unable to make the payments, he would then cover the cost. Dealer did in fact pay the account. should be Corrected to paid status, or removed. I would like to have this removed, as i have disputed several times without action. also, if possible would like to have it removed from my wife 's credit profile. 
With encouragement XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed late in XXXX that Capital One has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted Capital One several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called Capital One to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to capital One to inform them that XXXX   has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact Experian and have them correct my report. I filed two disputes through XXXX to have the report corrected and Capital One failed to reply to the them in time. I filed another this dispute with XXXX  on XXXX XXXX and never received a response from Capital One. It is absolutely absurd that Capital One refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.

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 2019-10-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit report in reporting fromXX/XX/2019 -XX/XX/2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.

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 2019-10-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report in reporting from XX/XX/2019 XXXX 2019 120 past due - Once I was out of default, it was to be removed from my credit report,. which it has not. it is preventing me from moving forward in life, and my loans have now been consolidated, and current in an income driven repayment plan. I would like the default removed and updated, which is standard protocol from my credit report.

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 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
3 different collections I settled with portfolio Recovery to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. XXXX XXXX XXXX sent to collections with portfolio should be deleted than 2 XXXX XXXX XXXX cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a XXXX XXXX settles for less

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I opened a checking and savings account on XX/XX/19 with a promo that totaled {$500.00} for meeting some terms which included switching my direct deposit and having a minimum of {$10000.00} in the account. I have met all of the requirements and have not seen the bonus. I have reached out to BMO but only received back a generic response.

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
Consumer complaint received 2019-10-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had college checking account with Chase. I lost my debit card on XXXX XXXX and didn't notice until Monday when I got an email from Chase that a cheque was deposited in the account of XXXX dollars and few other small transactions for which I was not aware of. I immediately went to the XXXX Branch in person and report about my lost Debit Card which I didn't found in my wallet after getting the email. The didn't talk and didn't disclose anything to me without giving me an opportunity to speak and shut down my account. 

Then again I went to my local branch where I opened the account initially and got the same response. I called Chase Bank twice on Tuesday ie. XXXX and one of the representative said that I can go back and open a new account. They did open but again closed by their back office. 

I am a victim of scam as somebody hacked my account information and Chase has treated me unfairly not letting me open a new account. kindly help as Chase is not helpful at all. I am a student who recently opened an account with Chase and it was my first bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
3 different collections I settled with XXXX XXXX to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. Walmart XXXX XXXX sent to collections with XXXX should be deleted than 2 capital one bank cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a Kohl 's settles for less

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
My husband had a title loan with Title max in XXXX XXXX texas on XXXX XXXX. His last payment made was in XXXX his decease date was XX/XX/XXXX. The company contacted me about payment. Due to my husband putting me on the loan application as a reference.I then told him My husband was decease.They ask me to bring a copy of my Identification and his death certificate.I did that and have not been contacted since. Nor did The company mention at the time I brought death certificate and my Identification that they were still seeking payment.They said it would be decease and dismiss.The car was repoed over night on XX/XX/XXXX. The guy driving the tow truck said the XXXX location opened the claim back up in XXXX of XXXX. I have called the storw and the cooperate office.The lady at the cooperate office said she didnt understand why the car was even on repo list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filled bankruptcy to clear all

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 2019-10-09 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: FL

Complaint narrative:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this good will letter to see if I can get a late payment removed from my credit report. We are in the process of refinancing our mortgage and this is the first time we have been late. We are still trying to get caught up with all our bills from the XXXX XXXX earlier this year. The account is updated now and this want happen again!! This was truly looked over on my part. 

Thank You!!!

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 2019-10-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called Equifax few minutes ago to find out the status of my dispute. I was attended to by a representative that was asking me the same question over and over again. She later told me she can not verify me and ask me to mail in copy of my social security card. I asked her where she was located and she said the XXXX. I am the owner of the profile and also a registered name on myequifax. I do not have the time to mail social security card to them because l think it is unnecessary. My request for my credit report to be mailed to me was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: FL

Complaint narrative:
I noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX  to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?

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 2019-10-09 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: FL

Complaint narrative:
I noticed late in XX/XX/XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XX/XX/XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?

Company response to consumer: Closed with explanation