vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
I was placed on a loan modification with Rushmore Mortgage. My previous mortgage payment was {$1100.00}. With the loan modification, the payment increased to {$2100.00} for six months. Once the final payment was made, I called the company and I was told that the payment would be the same. I received the final modification documents and the payment has increased to {$2300.00}. The interest rate went from 2 % to 5.5 %. Then they reduced it to 5 %. I told them that the current interest rate was between 2 % and 3 %. I was told that they weren't a bank and that they could charge me whatever interest rate they wanted. The five percent rate was set back in XX/XX/2020. I consider this to be a predatory lender. They asked for all of my financial information and I was honest. Instead, they insisted on placing me on a modification that was not affordable. I refuse to sign the documents for the final modification because I strongly believe that this company is connected to a chain of predatory lenders. It began with XXXX XXXX who later sold the mortgage to XXXX XXXX who later sold the mortgage to XXXX who later sold it to Rushmore. I am asking that this company be investigated. The only alternative is to sell the house. I hate the fact that these thieves will be able to walk away with money that they are not entitled to because they chose to prey on the XXXX American Community. I am a Veteran and I am appauled by the mistreatment that this country has allowed to happen to it's own U.S. citizens by allowed predatory lenders to stay in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed  that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NV

Complaint narrative:
These are not my accounts. Please remove them as this is the second request. 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 non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a fraud case with my bank BB & T in XXXX, Ga. So this what happened I planned on buying a XXXX via social media XX/XX/ guy turned out to be a fraud I did not authorize sending money to him he was posing as another person. The money was sent through XXXX in my banking app so I knew my money was safe. Turns out it was not I filed my fraud claim and they denied my claim it was for {$550.00} dollars. My claim number is XXXX The reason they denied me cause they said it was not they responsibility this XXXX me off tremendously. They did not even contact me telling me I was denied I had to call them. So when I called XXXX they said if I had a account because of my bank take my issue up with my bank since my account is not on the actual XXXX app. So XXXX or my bank does not want to take responsibility which ultimately leads to me being out of {$550.00} dollars for no reason BB & T did a very poor job of explaining this ion even have a XXXX account personally only knew about it because of BB & T. Ion see why they would let us use XXXX on the BB & T and not insure our money I feel used and mislead by BB & T. I dont think its fair that they know my money is gone due to fraud and they said its nothing they can do for me this makes me livid. I am a XXXX XXXX and didnt receive any stimulus checks I dont have money to waste BB & T seems very uninterested in my problem and situation and after this situation is taken care of I plan on closing my account and cutting my ties with the bank. If they can talk to me for a hour at the branch about getting one of their credit cards they can explain the terms they have for XXXX. I turned in tremendous evidence I am trying so hard to get my money back. The terms XXXX and my bank are tallying about does not benefit me at all it benefits scammers.

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 2021-04-03 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: NV

Complaint narrative:
These are not my accounts. Please remove them as this is the second request. 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 2021-04-03 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: NV

Complaint narrative:
These are not my accounts. Please remove them as this is the second request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I paid off my XXXX Card, Wells Fargo card service, and 1 of my XXXX XXXX XXXX personal loan account XXXX. My XXXX XXXX and 2nd XXXX XXXX XXXX  loan amount are incorrect. They Both were paid down, My XXXX XXXX car loan is {$25000.00} now and my 2nd XXXX XXXX  XXXX loan amount is {$7300.00}. which is account number XXXX. Please have all three Credit Bureaus update asap. Thanks

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 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I have been trying to resolve this issue with money 4 u for a year. They hired a private XXXXnvestigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in 50 dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer XXXX. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls department store charged me late fees on XX/XX/2021 for {$64.00}. I had paid off the Kohls card months and or maybe a year prior to this and wasnt late with my payment but still got charged. I called Kohls to resolve this issue and they took off one late charge but I still had to pay {$24.00}. I shouldnt have to pay nothing because I already paid off my credit card I told the Kohls rep. I still had to pay. After all this I got a delinquent account on my Credit Report and it was from Kohls. This drop my credit from XXXX to XXXX. These bogus charges hurt my credit report that I worked hard to maintain. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An old friend texted me on the app XXXX  asking me if I wanted money which I said yes. She said she was selling her Bitcoin and that all I had to do was send her 50 $ to help her convert it. Weve been friends for 3 years so I trusted her and went along with it and sent the money, but then she sent me another text saying it didnt go through so I sent it again thinking she would send the extra 50 back but instead she blocked me. I later found out that her account had actually been hacked and that it wasnt her texting but another person by the name XXXX XXXX XXXX, her XXXX address is XXXX and her phone number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Good day, my name is XXXX XXXX, in XXXX I helped my granddaughter XXXX XXXX XXXX purchase a car- XXXX Kia Forte at Galeana Kia XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. The purchase price of the vehicle was {$22000.00} financed by First Citizens Bank. At the time XXXX had little to no credit so I placed her name on the loan to help establish her credit, so then her name was also on the title. The payment was {$380.00} per month and for the first 10 months she made pretty much on time. Un-be knowing to me she lost her job and stopped making payments on the car, also the insurance was cancelled because of non-payment. On XX/XX/XXXX I received a letter from the SCDMV  that the insurance was cancelled XX/XX/XXXX on the Kia Forte, since her name was on the title, she had her own insurance on the car with XXXX XXXX. I had to pay a fine of {$140.00} for the lapse of insurance, I also reported the tag lost or stolen the same day I paid the fine on XX/XX/XXXX. XXXX XXXX XXXX name was not on any letter I received from XXXX, only my name XXXX XXXX XXXX. 
After this to keep my credit in good standing, I refinanced the car with South Carolina XXXX XXXX XXXX, at this time I still dont have the car, because her name is still on the title. The loan officer with the XXXX XXXX told me it would take around 30 days to get the title back and I had already put insurance back on the car when I paid the lapse of insurance fine. When First citizens bank received the title, they released the title to XXXX XXXX XXXX instead of South Carolina XXXX XXXX XXXX, which was stated on the pay off information sheet. Therefore, First Citizens should be held responsible for the amount stated on the check and in the letter at the time of payoff of {$20000.00}. I XXXX XXXX XXXX, never received the car or title but both were released to XXXX XXXX XXXX. Thank for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX both have a debt listed on my credit report as " DEBT RECOVERY SOLUTIONS '' or " DRS ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( DRS ) listed the items on the credit report. When attempting to dispute the items XXXX XXXXorrectly removed the debts, but XXXX XXXX XXXX both " verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an XXXX  loan serviced by Bank of America. I sold my property on XX/XX/2021. The day after the sale, I called Bank of America customer service to inquiry about the status of my escrow account, which they told me they would close and issue me a refund check for any remaining balance. I waited for almost a month and I received two correspondence letters from Bank of America ; one stating my loan was paid off, the other regarding the balance and closure of my escrow account, but NO check was received. I called Bank of America customer service to let them know I never received a check in the mail, and was promptly told that it was either delayed by the post office or it was lost in the mail. They cancelled the check and reissued a second check. I wait another month, and again I received nothing in the mail. I called Bank of America customer service again, and again they told me it was either delayed or lost or just to keep waiting. I asked if they could transfer the funds into my Bank of America checking account instead and was told that they could not, and they could only issue a paper check for closed accounts. I decided to go into a branch and speak to a representative in person. I told the representative my situation and provide documentation for everything. I told him I have waited 2 months for these funds, and I will be closing on a property in 3 weeks and that I needed my money for closing. The representative called Bank of America customer service and worked with another agent over the phone. He asked that the funds be transferred to my checking account because it has been 2 months and I am in dire need of my money. I was told that my funds would be deposited into my checking account within 3 business days. I waited 4 business days and checked my account everyday, and I still have not received my escrow funds. My loan was officially paid off as of XX/XX/2021 according to Bank of America. To this date, it has been 61 days or 45 business days and I still have not received my money or an adequate answer to where my money is or when I can expect my money to be returned to me.

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 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
On XXXX I received a letter from Voss and Klein attempting to collect a debt the amount was insufficient. I stated to them the collections amount was wrong and thats not my account I tried disputing it it did not come off. I asked the collections agency Voss and Klein to stop contacting me about a debt thats not mines they continue to call and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
I've provided the police report to Transunion informing them of the item on my credit. I was informed that it would take 72 hours for the items to be removed. I sent in my ID social and bill by mail and on the site. What is going on? Why are they saying that I need to send in my ID social and a bill again? I sent it in already. 
Remove XXXX XXXX from my 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 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Essential Retrieval Group
State: DC

Complaint narrative:
I was called today by this company and told there was a civil suit against me. I have nothing in collections or past due for that matter. Tonight on the same day my ex wife ( we've been divorced for XXXX years ) was called by the same person and left the same message.

Company response to consumer: Untimely response