vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX. 
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendUp Loans LLC
State: CA

Complaint narrative:
In the year of XX/XX/XXXX my identification was stolen from me. I see on my credit statement that I have a hard inquiry on it from back in XX/XX/XXXX, which I have/had no knowledge about, dont even know what it is or for.

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 2017-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I refinanced my mortgage XX/XX/XXXX due to XXXX not completing my refinance in XXXX yet I have been paying Chase since XXXX XXXX XXXX XXXX called and said that they need to be the originator again to fix the previous refinance. As of today XX/XX/XXXX Chase has not closed my account with my home loan and is calling to collect payments. XX/XX/XXXX I am supposed to be paying XXXX XXXX based in XXXX. 
How can there be two loans on the same property? 
I need them to close my loan so that it does not go into foreclosure and affect my credit. 
Somewhere between Chase and XXXX they lost communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: LA

Complaint narrative:
this company is holding me personally responsible for a balance that was connected to a corporation as I was one of the XXXX for. under the fair credit act this should not be connected with my personal credit as it was the responsibility and used by several other employees at the company. have reached out to them to remove from credit and have received no response or removal off of credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX : Opened a BMO Harris checking account with the promo code " XXXX '' which included a {$200.00} opening bonus after completion of 2 direct depositions of {$300.00}. 

XX/XX/XXXX & XX/XX/XXXX : Direct deposit terms met. 

XX/XX/XXXX : Bonus was never received. Contacted BMO customer service via secure message to inquire.

XX/XX/XXXX : Final response from BMO stating they can not escalate the issue.

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 2017-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
RE : LOAN DEPOT I received a flyer showing an attractive interest rate for a mortgage refinance so I called for further information. I answered the representative 's questions ( XXXX XXXX NMLS # XXXX ). And, I told him I would only be interested in a fixed rate 30-year conventional mortgage with no points or closing costs. My credit rating is more than 800 and debt to asset ratio low. He quoted me a rate very little less than what I have but more than the flyer advertised. Furthermore, there were fees exceeding {$3000.00}. I made it clear that I was NOT INTERESTED in his loan and told him to destroy my information and to stop any and all processes to apply for any loan and/or refinance. He said he would but he did not. Today I received a large stack of papers with my personal information ( much wrong ), and an application for a variable rate loan with even more fees that were disclosed in the phone call. I called Loan Depot today and told them to STOP THIS PROCESS, DESTROY MY INFORMATION, AND TO NOT SHARE ANY INFORMATION WITH ANYONE AT ANY TIME. The lady I spoke with said she would honor my requests. 
I feel betrayed, lied to, and used. My personal information has been used against my wishes and leaves me open for more abuse in the future. Loan Depot should be stopped from their deceptive practices and from abusing other people 's personal information. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Borrower : XXXX XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Rushmore failed to pay my homeowner 's insurance in XXXX, XXXX. After several attempts to get Rushmore to pay my insurance, all of which seemed to fail, I determined that despite assurances of agents of Rushmore that it would be paid I elected to not go without my insurance any longer and pay it immediately. I was about to leave for 5 weeks ' travel in XXXX and could not allow non-coverage to continue. I financed this payment on a XXXX card and now owe additional interest on the sum because Rushmore has failed to reimburse me. 

I was told that only if I sent a demand for payment to the " Consumer Affairs Dept. '' at Rushmore could I be paid. I submitted the letter by FAX on XXXX XXXX, XXXX, as instructed, and received an acknowledgment letter dated XXXX XXXX, XXXX, stating that a response would be sent in 30 days. I have not received any response. 

I 've called again on XXXX/XXXX/XXXX and was informed that my claim was still being " researched '' and an expected date of completion would be XXXX/XXXX/XXXX. I received no communications and called Rushmore again on XXXX/XXXX/XXXX and was told that I could be sent a check for {$860.00}, not the {$990.00} for reasons that were unclear. I again explained that the amount was {$990.00} and that lesser amount offered was unacceptable. The agent assisting me said she 'd update the documentation and that she 'd call back on XXXX/XXXX/XXXX to update me on my request. No call was received. 

Now, XXXX/XXXX/XXXX, I 've again called and was told today that a " review '' was in progress and I could expect something on XXXX/XXXX/XXXX. The agent confirmed that the money was in our escrow account. 

All of this is unacceptable. Rushmore failed to pay the homeowner 's insurance, causing my insurance company to threaten to terminate my coverage. When Rushmore could not make any firm commitments as to when payment would be made on this matter, I determined to pay it out-of-pocket to maintain my insurance. Rushmore has confirmed to me that my escrow funds are in my account but can never finish any of its " reviews '' and " research '' on this matter. After being put on hold when requesting that to speak to a person with more authority to resolve this matter, no one ever picked up the phone and after a total of 59 minutes, my call was hung up on. 

I explained that I 'm sending a copy of my demand letter to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I called to find out why i my score went down i have always had excellent credit so this really up setting i worked really really hard to keep my credit in really good standing  I was looking on my credit report and saw that XXXX XXXX credit card made my score go down and i spoke to them and they assured me they would make sure that i my score would NOT BE   affected that was not the case  because i never received statement in the mail i have never been late  late and this was during a hurricane Irma i did not receive any  statement i called to inquire and said it was 30-49  day late however i never received any statement so i am disputing this Payment XXXX 2017 never received statement and the dinged my credit i was paid off in full after i received my statement but they sill affected my credit which was not fair I do not recommend cit-bank credit cards they are not reasonable or friendly and they assured me they would correct this and they never did ..

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 2017-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has my name incorrectly listed as XXXX XXXX XXXX XXXX. 

Furthermore the following addresses need to be deleted as I have never lived there or they or more than 5 years old. 

XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Please delete this off my Credit report ... this account is a ZERO BALANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX ( credit card ). I have sent a debt validation letter to the company on XX/XX/XXXX. I sent this letter due to the fact that I do not have an account with them nor have I applied. I received a letter back from them asking for a copy of credit report along with letter sent on XX/XX/XXXX ( almost 2months later ). I was a little confused on why they would need this info. I then began to file a dispute to the Credit bureaus on XX/XX/XXXX regarding the issue and copies of documents that show that items were properly verified. I then received a updated copy of report with out documents requested attached on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX from all credit bureaus. Today XX/XX/XXXX I received a letter from XXXX on stating there is no evidence of fraud and that they are no taking action at this time. I have not had an account with them since XX/XX/XXXX. Which that account was opened by a parent under my name since then I have not applied with them. Im also having the same issue with XXXX XXXX. I have never had a card with them and they never responded to my dept validation letter. I will like to have this issue Rectified ASAP.  Please help get this taken care of it is affecting my credit ability. I have been affected by the XXXX data breach and have placed a freeze on all credit reports until I am able to get all issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
A changed my name legally and opened new credit cards under new name. Everything was reported correctly until few days ago Transunion whiped our all information under my new name and attached it to my old name.

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 2017-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please delete this off my Credit report ... this account is a ZERO BALANCE.

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 2017-12-26 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: ACS Education Services
State: LA

Complaint narrative:
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Today XXXX/XXXX/17 I spoke with a representative regarding the deletion of unauthorized inquiries on my Equifax report. The XXXX inquiries are from XXXX XXXX Bank and XXXX Bank. The XXXX are listed twice from each creditor that I did not authorized. The representative told me I had to call the creditor to send an electronic verification to equifax. So I called to speak with the representative and they told me that equifax should be able to delete them. I called back to speak with a representative of equifax and she told me that she could not delete the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

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 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

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 2017-12-26 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no help.

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 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MS

Complaint narrative:
I was behind on my Discover card, was unemployed, and XXXX offered a payment plan to fit your needs ( what you could pay without not paying at all ). At first it was {$60.00}, then it went to {$70.00} and then it was an amount they had not discussed with me, and I had my payment set up for auto pay so that I would n't get behind on the payment plan. Well, I got a statement and I was told that the min. payment had gone up and that 's why I was so the past due amount was high. 

The second thing is, when I did the payment plan option, it ask you to choose a date. I chose the XXXX and then the XXXX. Well Discover does not tell you that even though you are on a payment plan, with a different date, that they report to the credit bureaus that your payment is late. So even though you are paying on time with the payment plan in place, it 's not reflected to the credit reporting agencies and this is wrong and unethical. I have been paying that bill on the XXXX and later on the XXXX with NO KNOWLEDGE of my payment being reported as LATE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! This ridiculous! I chatted with a Discover rep today, XXXX and she said that it 's not told to cardholders who do the payment plans. Have them pull that chat for today 's date about 5 min ago and you can read it for yourself. I want my late reports removed immediately!!!!!!!! This is not fair. Very unethical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, XXXX and receive XXXX direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms. Qualifying Direct Deposits include payroll through an employer, Social Security XXXX XXXX Deposits, Fixed Income Direct Deposits, and government benefits ; I received XXXX ACH deposits of {$250.00} each on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, they were both payments from my part-time employer XXXX and XXXX.

Company response to consumer: Closed with explanation