vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Original loan was with XXXX XXXX what transferred are sold to Rushmore mortgage company before my first payment was due XXXX XX/XX/XXXX I bought the house in XX/XX/XXXX I sent in my first payment as schedule to Rushmore Mortgage Company end of XXXX soda my first payment for XXXX would be definitely on time I made my XXXX payment I made my XXXX payment at the end of XXXX and that make my XXXX payment at the end off XXXX I made my XXXX payment the same time the end of XXXX my XXXX statement came with the extra amount that I owe {$5000.00} I contacted Rushmore loan company in XXXX when the bill keep coming for the extra {$5000.00} I wrote them a letter I spoke to them on the phone I was told I would go over my account they send me a check for {$700.00} because I was making extra payments to my account at the time even though they send me a check for excess amount they did not resolved my account for that {$5000.00} they are demanding for me I went to XXXX  XXXX  XXXX and ask for copies of all my payments I make extra copies and I send it to Rushmore with a letter of explanation showing all my payments include my present payment for XXXX XX/XX/XXXX yes I get no results in in resolving the extra amount being demanding on my mortgage statement in XXXX of XXXX I call Rushmore again try to resolve my account I was told that my payments were missed applied and I asked for my account to be corrected Rushmore is sending people to put notes on my door I save those envelopes as proof up to this point my account has not been resolved I contact the legal aid senior hotline asking for help I am still trying to get this resolved I can not sell my house I'm so frustrated right now because my account is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for a BJ credit card in the summer of 2020. Not only was I denied a card but, my reputation was slandered. A negation entry was placed in my credit report, I was falsely accused of ID fraud, possessing high credit balances, not paying on time, and having too many hard inquires. All of these accusations are not true. I have an XXXX and higher on my credit reports with no negative information as documented by XXXX XXXX, XXXX, and XXXX. 

These unjust actions by this company caused me not to be able to get credit and it lowered my credit score.

I am attaching two letters that I had my prepaid legal plan write to the bank for me but to no avail and to responses from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I received a collection of a debt notice by regular mail on XX/XX/XXXX from PMKP File # XXXX. I mail them a validation letter on XX/XX/XXXX ( see copy ). 
Kilma, Peters & Daly sent me their response to that on XX/XX/XXXX, which I received on XX/XX/XXXX, from my landlord. 
However, Kilma, Peters & Daly file a lawsuit in the District Court of Maryland for XXXX XXXX on XX/XX/XXXX before I had my 30 days to review and respond to their validation. 
The validation process specifically does not allow notification of third parties, especially credit reporting agencies before the validation process is complete. 
My landlord was served a summons and presented it to me on XX/XX/XXXX. This did not give me thirty days to review and respond to their validation claim. 
I also received a letter from another attorney, XXXX XXXX, notifying me that I had been sued by XXXX XXXX and offering his services. 
This collection process was abused on the above information. 
Thank you for being there for the consumer and your attention to this matter. 
Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I trade stocks using the Robinhood App. Usually I get into the app on my phone. If I forget my password, I get email and are able to reset my password. Since XX/XX/XXXX, I am unable to get into the account or able to reset my password to get into the account because when the app tells me it has sent email, I do not receive anything. I know Robinhood has my email because I receive email confirmations for the transactions I make.

Not only am I missing on opportunities, I am unable to access my money. I opened a case as directed and have received nothing from Robinhood or even response to let me know they are working to restore my account. 

It is impossible to get to them. I called XXXX XXXX  which has the account and it appears they are getting some calls like mine. 

I need Robinhood to get this issue restored as soon as possible so I can have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/2021 /I had gotten a credit inquiry notification. 
On the info listed it had : enhanced inquiry SYNCB/SAM'sXXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX I immediately called the provided number, Just to be met with difficulty. 
Upon my first call I was sent to Fraud dept, where they just hung upon me once I explained my dilemma. 
My second call, A lady answered getting upset with me refusing to assist me in the matter. 
Third attempt, A sir stated there was nothing I could do. 
I advised him that I did have rights that protect me from situations as such, an was why I called to resolve issue of possible fraud. 
I advised I was in XXXX, NM where I reside and have credit monitoring which alerted me of an inquiry. 
He just stated do what you need we can't do anything. 
I have not pulled my credit for Credit cards being that I am trying to purchase a home. And now am dealing with possible fraud with no concern or help from the company that pulled my credit with out my consent or know. 
I understand I may be just another consumer to them, however it is a huge concern to a single mother trying to get a Mortgage to buy a home for my children and 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 non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I contacted WELLS FARGO regarding a couple of transactions that were completed on my account ending in XXXX that was unauthorized by me, the first amount was for {$500.00} on XX/XX/2021 and the second on XX/XX/2021 in the amount of {$500.00} I call and filed a complaint and was told that these funds would be refunded back to my account in several days from the time of my complaint, however, it has been more than a week since I have filed my complaint and as of XX/XX/2021 I still haven't received my funds back into my account. I called them this morning regarding the fraudulent transactions and was given an unsatisfying conclusion to my case. it seems that WELL FARGO works alongside the people who are stealing my hard-earned funds and disregard me as a customer. WELLS FARGO does not protect their costomers.

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 2021-05-05 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Benworth Capital Partners LLC
State: MD

Complaint narrative:
I applied XX/XX/XXXX approved by their lender benworth then on my funding day they said they tried funding me which they didnt I called my bank they said I dont have any pending or incoming deposits I checked my account multiple accounts no sign of deposits or rejections I emailed about 8 representatives they Dont respond and some gives a automatic message to submit ticket which i did about 20 times no response! this is so unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
There is an unknown collection being reported by ERC XXXX. I am unaware of this company and have not been notified and/or informed as to what this collection is in relation to. I have no knowledge of any outstanding debt with ERC XXXX and have received no verification of any accounts for which I allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XX/XX/XXXX2021 a solar rep came to my house to try and sell solar.. he told me he would do a soft credit search to see if we could get approved. I told him I did not want to approve anything until I talked to my tax person. I had a XXXX XXXX at the time I never signed anything again I told him I needed to talk to my tax person onXX/XX/21XX/XX/XXXXhe tried to send someone out XX/XX/21I said no. on XX/XX/I sent him a text from the tax office and told him absolutely it was a NO and that he had been dishonest with me after talking to the tax person the next day a crew arrived at my house to install I told them NO I was not getting anything from them and they left.. the following month someone from the solar company called trying to get me to get solar once again I said NO.XX/XX/21 I got an email from MOSAIC XXXX XXXX XXXX XXXX AZ XXXX loan servicing department stating they received a cancellation request from XXXX XXXX to cancel my loan. I told them I never got a loan XX/XX/XXXX I got a statement review. I contacted the XXXX they said it would be corrected XX/XX/XXXX I got an email asking for payment of XXXX due XXXX once again I informed them I didn't owe them anything they responded saying it would take 2-3 weeks to process the cancellation they had only received confirmation on XX/XX/21on XX/XX/XXXX I was told any payments I made would be refunded. XX/XX/XXXX they reported the debt on my credit reportXX/XX/21 I received a statement notice for loan number 145467XX/XX/21 I received another email asking if I forgot this months payment and the payment required is {$140.00} {$140.00} was due on XX/XX/21. I do not owe this company anything and have continued to tell them this they tell me it will be taken care of and they still try to collect a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
A complaint was filed with your bureau. 

The lender stated the error was theirs, however, they refuse to refund my account the amount of money they overpaid the PMI vendor until the PMI vendor repays them. 

XXXX made the error and XXXX needs to refund my money now regardless of their awaiting money for an error they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: CA

Complaint narrative:
My wife XXXX XXXX and I bought a car on XXXX at XXXX XXXX in XXXX, CA. I worked with XXXX XXXX to purchase a new XXXX XXXX XXXX. We were paying cash, and he pulled our credit report first without our consent. I asked him why he was doing this because we didn't need credit, and he specifically stated multiple times it was to ensure our identity even though we provided our social security numbers, our drivers licenses, and our identification. He specifically stated after I inquired again why the need for a credit check that it was a soft pull, and that it was to ensure we weren't XXXX and that it was insurance if our cashiers check didn't cash and they could come and collect the vehicle. He pulled our reports without our consent, lied multiple times through my inquiries, and manipulated us into signing a credit consent form.

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 2021-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, we mistakenly submitted an electronic payment of {$5000.00} to our TJX Credit Card - which is managed by Synchrony Bank. 

We recognized the error and called the bank 's customer service on XX/XX/XXXX via their toll-free number. They promised to refund the money via check in 7-15 business days - which makes the expected receipt of XX/XX/XXXX. 

The bank issued a credit on our account on XX/XX/XXXX and we received a new statement for the period XXXX. XXXX - XX/XX/XXXX via USPS mail on XX/XX/XXXX. ( Note that the statement was receive via USPS just a few days after the statement closing date ) We did not receive the check by XX/XX/XXXX, so we contacted the bank again on XX/XX/XXXX and spoke with XXXX. They promised to cancel the previous check and send a new one via courier and we should expect to receive this in 4 business days an expected receipt by XX/XX/XXXX. 

We did not receive the refund check via courier by XX/XX/XXXX. 
On XX/XX/XXXX we again contacted the bank via their customer service line. We spoke to 4 people. No one could confirm that the check was sent. No one could provide a courier tracking number. All of them suggest that the mail service was slow and we would just have to " be patient '' and wait another 7-15 business days Why did we speak with 4 people? 

Each of the agents we spoke to insisted there was no one to " escalate '' this matter or who could provide additional help or clarity. Each of them said the equivalent of " let me put you on hold to check with someone '' and the line disconnected. In other words, it appears they hung up. 

We have been patient. 

We have waited the proscribed time, but as of this writing, we have not received our refund of {$5000.00}. It is a substantial amount of money and we have no idea when these funds will be returned. 

We would appreciate CFPBs help in getting these funds returned to us as soon as possible

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
Opened account. Bank declined deposit. Account was frozen. Account was rectified, and steps followed to complete account unlock. Account wasnt unlocked, no email responses. No feedback on social media. Accounts been in good standing for over 3 months and had funds over {$2000.00} locked for entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I am not able to give the actual lease payments because I can no longer access the site. I was laid off in XXXX  2020. Like everyone else waited for my unemployment. I made arrangements with them to extend payments on a lease I've been paying on for 2 years already {$380.00} for a Honda Civic. Entirely too much, but as a single parent of 3 I had no choice. I explained to them my situation when they called last week that I have gained employment and would be able to resume monthly payments by XX/XX/XXXX ( first paycheck ). She wanted {$600.00} something that day, I didn't have it of course because I hadn't still received my unemployment. I told her I would get a letter from them, which I had to email at least 20 people just to get a response. I finally did after almost 6 months of NOTHING. All I knew about my claim was there was a hold up, and I was able to claim every week. Nothing in the mail, no contact, no office hrs.Nothing. I let her know I would get something from them that shows they haven't paid out yet, and I would get backpay for all the months I was waiting for. It's not like I didn't have a job, I did ; I am just waiting for XXXX, XXXX start date. ( Have my offer letter ). I was able to get the letter from the Virginia Employment Commission Friday which was the day following the conversation. However, they repossessed the car that night. It's not so much that the car was repossessed as I understand business. But, the fact that it's COVID, and I had proof that I could solve the issue very soon. They said it could be resolved by XX/XX/XXXX, so I thought I had time. Three days later I received my full backpay. I called them to get the car back and they said I had to pay it in full or get another loan and it was going to auction. She mentioned I had filed bankruptcy which I never said that. I believe was the reason they immediately picked up the car. I asked for a Supervisor, got the run around. Today XXXX, XXXX XXXX the Supervisor in Recovery call me to tell me I had to either get a loan or pay $ XXXX off. I don't have that amount, nor do I have the credit to go get another loan. I can't afford this on my credit because I have a job at a financial institution and I could lose my job. I just wanted to finish my lease. If they keep the car and auction it, I just don't believe I should be punished any further that I have already. I don't want it to impact my credit. I am so distraught already over the loss of income for so long, which has affected me both mentally and physically. Causing XXXX XXXX ( now XXXX XXXX ). I am stressed beyond measure and can't afford to lose my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: GA

Complaint narrative:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have had a Marcus Savings account for several years. In XXXX I received an offer of a {$100.00} bonus if I deposited new funds into my Marcus account and kept it there for 90 days. I transferred $ XXXX from my XXXX account into Marcus account on XX/XX/2021. I withdrew the $ XXXX on XX/XX/XXXX and XXXX. 

I have not received my {$100.00} bonus so I contacted Marcus via chat. They said my bonus was ineligible because I had a {$120.00} withdrawal on XX/XX/XXXX. That {$120.00} was not part of the $ XXXX in new funds. I have automatically deposit and withdrawals each month into Marcus. They said I was disqualified from bonus. I am very upset and felt misled. I kept $ XXXX in Marcus when I could have earned highest interest elsewhere.

Company response to consumer: Closed with explanation