vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I did not receive the information and calls from the Choice recovery on XX/XX/XXXX, who then reported to Debt Collection. The expense occurred at XXXX XXXX hospital for my XXXX XXXX XXXX  and paid my dues to the hospital but not informed that I owe money to Choice recovery or lab at that time. I only came to know when I received an alert from XXXX  that collection has been reported! 

As soon as I see the alert, I called Choice recovery and made a payment on XX/XX/XXXX, and my report is updated. Still, I see my credit score is affected by this collection inquiry. Also, my credit score report states that the length of time accounts have been established are too short but I have been paying my mortgage loan since XX/XX/XXXX and closed my two car loans prior to it. 

So the above two are the mistakes that need to be resolved in my credit report as it is impacting my score and credibility. Because my current credit shows as XXXX compared to my XXXX FICO score from all the 3 bureaus. 

Please do the needful. 

Thank you and I appreciate your efforts in resolving my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had my name legally changed on XX/XX/XXXX, and updated with the Social Security Administration XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told on XX/XX/XXXX, around XXXX XXXX  EDT. My ID was changed as of XX/XX/XXXX. I had previously, on multiple occasions, contacted the company to try to get it processed, yet nothing has come of it. I also had opened a complaint using CFPB, which was marked as resolved, with a note that the name was already changed, and that my old name was not attached to my new name. This information I was provided was false. I got a report after I had recieved the email that it was closed and resolved, which does not state my updated name, and has two instances of my previous name, which I will attach the front page of. I have attempted to file a dispute.

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 2020-06-25 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: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX was a new account on my consumer credit report # XXXX. This account was previously deleted back in the year XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Without notice or reason, Citibank increased the interest rate on my credit card from 15 % in XX/XX/2020 to 29 % in XX/XX/2020. During that period, there were no missed or delinquent payments.

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XX/XX/2020 I happened to read an article on XXXX 's website about credit cards charging inflated interest fees. I then went onto my XXXX  card app to look at my fees. On XXXX XXXX, i was charged {$2.00} for interest. Than on XX/XX/2020, I was charged {$21.00}. They even dropped my credit limit from {$1800.00} down to {$1200.00}. Going back through all my statements, my interest charges were {$2.00}. I make all my credit card payments on time every month and have never been late.

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 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
This debt has been on my report for awhile and I have tried several times to get this removed. No action has been taken on my request for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
Beginning in mid XX/XX/XXXX I attempted to contact Rushmore Loan Management Services several times about extending the XX/XX/XXXX option I have on my mortgage. My original mortgage & note from XXXX XXXX XXXX was acquired and the servicing rights went to Rushmore. I have the option to extend that XX/XX/XXXX another 5 years at current rates. 

During XXXX I called Rushmore seven times and no one understood the option I have. Four of my calls were transferred to either their Loss Mitigation team and all of the calls were " dropped '' before anyone picked up. All in I spent well over five hours on calls or on hold with no service being executed. 

During XXXX I made several more attempts. On most of these calls I was unable to speak to anyone that any idea of how to help. On three of the XXXX calls I asked and even demanded at times that I be allowed to speak to a supervisor or someone at the SVP level. On two of the calls I was told by the " off shore '' employees that they had no access to supervisor or upper level management personnel names and if they did they were not permitted to give that information out. 

The later part of XXXX I spoke to an employee who promised me they would pass my information to the department that handled modification extensions and that I would hear back within 72 hours. Nothing!!. No call, no email etc. 

On XX/XX/XXXX I received an Early Notice of Loan Maturity / Early Notice of Balloon Payment Due 180 day letter as required by regulation. The letter instructs to call the Home Retention Department at XXXX for possible option if one can not pay the balloon when due ( XX/XX/XXXX ). I called the number and was told Rushmore does not have a Home Retention Department. I was transferred and again the call was dropped after being on hold for a long time. 
I called back on XX/XX/XXXX and reached XXXX, employee # XXXX. I fully explained for the 15th time why I was calling and what was needed. XXXX promised she would deliver my information to another department and that I would hear back within 72 hours. The 72 hours was up at XXXX EST on XX/XX/XXXX. Again, I have heard nothing. 
At this time I am asking that Rushmore reduce my mortgage obligation to zero within the next 10 business days and send me confirmation that I owe nothing. They have caused undue anguish and severely impacted my ability to conduct proper financial planning.

Additionally, during one of the first calls in XXXX Rushmore referred me to XXXX XXXX to refinance. I thought Id take a look at that option too given the current market yields. XXXX XXXX  personnel never followed up either after the first email I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SD

Complaint narrative:
XX/XX/2020, XXXX XXXX with LakeView Loan XXXX, who our mortgage is currently with along with " LoanCare '', offered a VA loan refinance. We quickly completed the process and a new payment was settled on with a closing set for XX/XX/2020. XXXX XXXX also advised in multiple recorded phone calls on XX/XX/2020 and XX/XX/2020 that we would not have to pay the XXXX Payment and it would be included in the closing that would occur in XX/XX/2020. On XX/XX/XXXX, XXXX XXXX advised that there was a lien with the county on the home unbeknownst to myself. I asked if the deal was dead. XXXX XXXX related that if the lien was immediately paid, proof would only have to be received by XX/XX/2020 and a XX/XX/2020 closing would still be fine. My wife and I dipped into savings and paid off the judgement, overnight a check that day. The lien was released and proof was received the first week of XXXX by Lakeview Loan XXXX. ( I have email proof of this ) I have an email from XXXX XXXX that says if proof of the lien being removed was received in XXXX, the XXXX closing would be fine. In fact XXXX XXXX stated this happens all the time on a phone call. Between XX/XX/2020, when they received proof the lien was cleared, to XX/XX/2020, I received several emails asking for random documentation over and over from 2 different underwriting companies, XXXX and XXXX XXXX XXXX. Sometimes they asked for the same documentation twice..proof of insurance..etc.. But I trusted the process was still fine for a XX/XX/2020 closing. XXXX XXXX said nothing to the contrary..AT ALL. On XX/XX/2020, XXXX XXXX emailed me and said oh by the way, your late on mortgage for XXXX, the VA refinancing is now denied for being late. I WAS FURIOUS. I did everything I was asked to do and XXXX XXXX said we did not have to make the XXXX payment. NOT only that, unbeknownst to me AGAIN, XXXX slyly changed the closing to XX/XX/2020. I had no idea this even occurred. XXXX XXXX then bold faced lied in an email that he never said not make the XXXX payment. This is a lie and the recorded phone calls prove it. His manager, XXXX XXXX then got involved at my request but did absolutely nothing. XXXX XXXX stood the company line and said sorry, cant do refinance now but maybe try again in 6 months after 6 on time payments. I am furious and if I had the money for a lawyer I would sue the pants off this department for lying to a customer and then not fixing the situation due to their vast incompetence. I have all emails and documentation to prove everything within my complaint.

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My daughter went through a break up with her boyfriend and moved in with us. She also brought our XXXX year old granddaughter. This increased our expenses and we fell behind on our mortgage payments. Then the COVID hit and I lost my retail job at XXXX and my husband 's side work was cut off. The decrease in income made our efforts to get a loan modification difficult because we no longer had the income to pay even a modified payment so we asked for the forbearance under the CARES act. We were denied and told to apply for a modification. Without our incomes we only receive social security income and we can not afford to pay a mortgage payment. Due to COVID our daughter is also not working and school has been cancelled for our granddaughter. We are supporting two additional people and have a had a decrease in income. We are asking for a forbearance as to not be served foreclosure until we can get back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago

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 2020-06-25 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: WA

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XXXX of this year a friend and us booked a set of rooms on XXXX on the beach, we payed for all of it on our card. As Covid and the time progressed we tried calling and asking if the hotel would be open or not. This was a long trip and i didn't want to travel to a hotel and find we would have no place to stay. 

We asked XXXX several times and they could not get in touch with the hotel it's self. The Hotel page on XXXX says the hotel is closed still today. We were going to go several weeks ago but could not find out if anything was open. 

XXXX offered us a voucher for the same hotel and good for one year. We turn this down as one, i don't know if that place will be around in one year or even available. We didn't cancel, the hotel was and still is closed. Since we used our credit card with protections on it, we should get our money back. 

I did not receive goods that i had full intention of getting and paying for, yet i am holding and empty bag ... 

I filed a disput with XXXX, our credit card company and it got rejected. We have called, used online chat with XXXX. With the credit card company had to mail proof and submit everything via mail. Thus i paid postage to get this done. Then they rejected it without any correspondence or even asking any questions. It was very one sided. 

Total amount is {$1000.00} Card company is Capital One Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We closed on our home XX/XX/2020 and received a cashiers check from the title company on a local bank. We deposited the check with Wells Fargo XX/XX/XXXX. The manager XXXX said there would be a few days hold on it and he would call and check on it and get back to use. He didnt. Its been 8 days so I called title who called the bank and they said its been available since XX/XX/XXXX. So the manager lied again. 3 lies : it wasnt released in a couple of days, he did not get back to us ( I had to call him ), he never followed up, he never called the bank as he said he did. We are frustrated Wells Fargo has lied and still not given us our money. 

The Wells Fargo office involved is at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The manager we are having the problem with is XXXX. 

We also called Wells Fargo corporate who said they would work on it and there never should have been a hold on a cashiers check.

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 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
We bought a home in XXXX and the loan was provided by Flagstar Bank. Since then, a pattern has emerged whereby we receive an annual " Escrow Analysis '' which, for the last two years, they have claimed an " escrow shortage ''. The shortage this year, is more than double what it was the first year. They claim it is due to property tax increases, however, we checked with our county tax assessor 's office and nothing has been sent to Flagstar regarding property taxes, hence, Flagstar would have no knowledge of any upcoming tax changes. When we call Flagstar, we're given some complicated explanations that still do not explain why we're having to give them money for a shortfall. 

If there is indeed a shortfall, then they obviously do not know how to cover an account adequately. Consumers should not have to worry about receiving a bill each year that they may not be able to pay, and therefore lose their home because of that inability to pay. 

In more than 30 years of having a mortgage, we have not encountered this situation with any other lender we've been involved with. We've read other consumer accounts of this same situation with Flagstar Bank on complaint websites, so we know it's not just us. Something with this bank is obviously wrong.

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 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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