vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a XXXX atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: PA

Complaint narrative:
On XX/XX/XXXX, I logged into my Equifax account online. I tried to get my free credit report. However, they did not give it to me despite me selecting the series of clicks required to get it. Instead, they gave me the message " Report Date XX/XX/XXXX Credit File Status Report Blocked for Promotional Purposes Security Freeze in Place '' I have a freeze in place for other people/businesses/criminals to not be able to access my data, however *I* should be able to access my data! They provide me with no way to access the information I need and have a right to. I looked on their site for help and they only provide a link to the CFPB website for help, so I am contacting you in hopes you can help. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Escalation to denial letter dated XX/XX/2022 Chase Loan # XXXX XXXX  XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX WA XXXX Email XXXX Ph # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX HUD XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX P XXXX x XXXX Fax XXXX XXXX XXXX has been denied a loan modification and can afford an increased payment. Monthly income is {$8700.00} where he has a surplus. We are requesting that Chase take this into consideration and offer a modification with a higher monthly payment. 
Denial letter says : Were not able to create a lower or affordable payment without changing the terms of the mortgage loan beyond the programs requirements *Please provide the excerpt from the XXXX XXXX  XXXX agreement that does not allow for assistance during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX XXXX, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXX XXXX, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-05-31 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:
TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXXConsumer to TransUnion am I requesting your agency do an independent investigation for the account listed above with XXXX XXXX PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. TRANSUNION, XXXX, AND XXXX ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making MG CREDIT the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i

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 2022-05-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. Thiis is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached and FTC report and highlighted picture of an account that is not reporting the same information across all three bureaus which is a violation of the FCRA

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached and FTC report and highlighted picture of an account that is not reporting the same information across all three bureaus which is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
I received a bill from Ginnys and under a certain amount owed amount ( {$100.00} ), the payment is suppose to be {$10.00}. The bill I received says I owe {$20.00} due by XX/XX/2022. The balance I owe is less than {$100.00}, at {$81.00} so my payment should be {$10.00} per month until paid off. The billing payment schedule says the same thing, is balance is under {$100.00}, then monthly payments are ten dollars per month, ( see attachments ). When I called to speak with a rep in the credit department about it, all I got was rudeness, and indifference, ( poor customer service ), what a bad way to treat customers. I ask the rep in the credit department to close the account effective immediately as I won't do business with a company that doesn't honor it's payment agreements with customers. i have been paying ten dollars a month as " required '' for the past two months or so, and I am not behind and my account is current, never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: DISCOVER BANK
State: GA

Complaint narrative:
So my problem is with Discover Credit Card XXXX. I really feel like they're intentionally trying to get my application declined and i feel like its because of my race. My credit score is well over the required score and still they are giving me the complete run around. They are intentionally trying to drop my credit score y giving me a bogus excuse as to why i have to give them a call back, but every time i call back they are giving me a hard inquiry on my XXXX. The excuse is my phone number hasnt been updated with experian. I updated my phone number with experian the first day i was notified by discover that it needed to be updated. i received an email from XXXX the same day stating my personal info was updated, but yet discover keeps giving me the excuse that my phone number hasnt been updated. Now when i call they give me the excuse that their system is updating and to call back in 48 hours. But they only tell me this AFTER theyve pulled a hard inquiry. So what they're doing is they're deliberately trying to keep giving me hard inquiries until my score no longer qualifies me for a line of credit so they can decline my application. This is not fair and i feel like its definitely XXXX. So many of our financial instituations are declining minorities for lines of credit during these times and its unconstitutional. Something has to be done about this immediately. I know im not the only one experiencing this type of discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: AR

Complaint narrative:
Capital One is reporting inaccurately on my credit report and not following the Federal Trade Commission 's rules. Looking to purchase my first home, I opened a secured credit card with Capital One in XX/XX/2021 in hopes of increasing my credit score-but the opposite has happened with me being swindled by Capital One. I deposited {$1000.00} by bank transfer which was my credit limit. I made all payments on time and even paid the balance off, never missing a payment. Kept my utilization low, under 25 % for six months. Around XX/XX/2021, there was a purchase in the amount of {$580.00} that I did not authorize. I then immediately filed a dispute with Capital One. The dispute was supposed to end XX/XX/2021. Capital One kept my refund from my deposited monies as a permanent credit ( that no attorneys or creditors have ever heard of ), that cant be used due to the account being closed. Capital One has reported inaccurately on my credit report, such as a high credit balance and closed the account while there was an investigation going on. 
Capital One is reporting a high balance, paid satisfactorily. Which Capital One has admitted I have money that they are " holding '', over half of the deposit I sent and are keeping it ( for now, due to my attorney and I demanding my monies/ and / or going to court ). The balance can not be high if there is a credit! That is factual that {$580.00} of {$1000.00} is not spent! 
I have never written into the CFPB about this matter, only about Capital One keeping my money. I just want to make sure this is all documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
- On XX/XX/XXXX, I opened a new credit card with Wells Fargo and found out that my XXXX credit card was closed without my notice : no phone call, no mail, no email. I believe it was around XXXX - XX/XX/XXXX since that the last email monthly email I received from them. The account had XXXX reward points in it ( email attached ). 

- On XX/XX/XXXX and XXXX, XXXX, I contacted Wells Fargo customer service a few times and got the same answer that they could not find any information about the closed account. I went to a local Wells Fargo and had them filed an escalation. 

- On XX/XX/XXXX, I received a call from Wells Fargo saying that the account was closed because of a long inactive period. And that they could not do anything to get my reward point back.

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 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2022 our company was scammed by someone claiming to be a Bank of America employee. He made statements of pending zelle payments and said we needed to move funds to a new account. BOA sent me codes to release the funds which were given to the alleged employee, then the funds moved out of our account. The bank sent XXXX letters dated XX/XX/2022 stating they would not cover the scam/fraudulent for each account emptied. I found an article referring to Docket No. XXXX from this Bureaus site and also referring to Regulation E with EFTA .

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 2022-05-31 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: DC

Complaint narrative:
I have been disputing my credit with XXXX, Equifax, and XXXX. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been disputing my credit with XXXX, XXXX, and Experian. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached a letter with an account that is reporting a collection inaccurately to my credit report which is a violation of the FCRA

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" I am writing to delete the following information in my file. 
XXXX XXXX ON XX/XX/XXXX - FRAUD/ IDENTITY THEFT XXXX XXXX ON XX/XX/XXXX - FRAUD IDENTITY THEFT XXXX XXXX SALES ON XX/XX/XXXX - FRAUD/ IDENTITY THEFT XXXX XXXX  ON XX/XX/XXXX - FRAUD XXXX XXXX ON XX/XX/XXXX, XXXX FRAUD XXXX XXXX  ON XX/XX/XXXX - IDENTY THEFT XXXX XXXX ON XX/XX/XXXX, XXXX FRAUD The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX Equifax - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation