vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
On XX/XX/2018 a dispute letter was received by Rushmore Loan Management Services in regards to the reporting on my credit reports. I had ask for evidence of there authorization under 15 USC 1692 ( e ) and 15 1692 ( f ) also authorization of law for there collection information also evidence of there authorization to do business or operate in the state of Florida also proof of the  debit that they say I owe with my signature and lastly proof of a complete history including any charges added for collection activity that arrived to the balance that I owe. I received A response on XX/XX/2018. Under the Fair Credit Act, you must respond by 30 calendar days.I then responded to there response that they receive on XX/XX/2018 and got a response onXX/XX/2018, which they stated they have 30 business day to respond which is incorrect by the Fair Credit Act. They must follow and abide all rules on the Fair Credit Act and must remove the debit because they did not respond in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have an account with Barclays Bank XXXX extra points reward credit card. This card was issued to me a couple of years ago knowing that i had a BK back in XX/XX/2009. I just received a letter from them stating that because of this they have lowered the available credit limit by XXXX. They arbitrarily did this by running a new credit report and seeing that i had other accounts with balances however they cited the first reason for lowering the credit line was that i had a public record file from XX/XX/2009 which they already knew when they issued the card! 

In addition to this i have NO late payments with them and always pay MORE than the minimum due. I spoke to customer service with a XXXX who said that they didn't like how many outstanding accounts i had and decided to lower the credit line. In doing this by cutting down the available credit availability they are damaging my FICO score by increasing the amount percentage of utilization by lowering the available credit line that they established. This is a completely unfair practice given my payment history with them.

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 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Had a credit card, paid the credit card in full. for some reason it was sent to collections ( XXXX XXXX  ) the original creditor ( the credit card company ) has since admitted it was paid and removed it from my credit reports, however their creditor refuses. 

I feel XXXX  is also to blame here, they allow XXXX funding to simple " say '' its Valid with no actual proof ( because there NONE ) while I show proof of the payment in the form of a bank statement and somehow the win the dispute every time. 

and when someone files a complaint against XXXX themselves ( with the CFPB ) they simply PROMISE to go a full investigation, but the just do the same thing and believe the creditor, its all a big scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate Prestige Financial Services, located in XXXX Utah for violating the Servicemember Civil Relief Act ( SCRA ) after illegally repossessing my vehicle without a court order. 
In addition to that, they were supposed to lower interest to 1 % ( Exhibit A ). The only reason this account was in default is that they never updated the loan to reflect 1 % or the new banking information I provided them. A few weeks later I had to transfer from XXXX XXXX  to XXXX XXXX, stopping in between to attend a military training course for several months in XXXX XXXX. During that entire time, nobody reached out to notify me by phone or mail that the vehicle was at risk of being repossessed. The only notification that was sent to me was an email the month prior, which I didn't receive due to being in NY visiting family for XXXX. Even in that overlooked email, it did not say anything specific about repossessing the vehicle. ( Exhibit B ) It wasn't until a month later when Prestige Financial Services committed the most unethical and indecent act imaginable on the evening of XX/XX/2016. They intentionally violated my entire family by coming on private property in a double gated community without any warning and illegally repossessed our minivan without the decency of allowing me to get my belongings or all my kids XXXX gifts my wife had hidden inside, completely ruining XXXX for my XXXX young children who did nothing wrong! That is when I discovered the email sent the month prior and responded immediately notifying them that they were in violation of the SCRA. ( Exhibit C ) It wasn't until several days later when they finally contacted me back. I was told that I would have to pay {$500.00} to get my belongings back, which at the time we couldn't afford after having to re-purchase all the gifts for my children after XXXX when the stores opened up again. We never got our belongings back. After everything they did to violate us they are still damaging me by reporting inaccurate negative information on my credit report. I have sent them proof multiple times that the repossession was done illegally and it violated federal law under the SCRA but they still refuse to fix their mistake and won't remove this account off my credit report. I was advised by the XXXX Legal office on base to contact you after they saw what was done to me and agree that this company should be investigated to the fullest extent for their business improprieties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NC

Complaint narrative:
I have disputed this closed/ charged off account with XXXX , Transunion , and  XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in  violation! 

I was only able to include one document as proof because this document was the only one I have saved

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 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had fall behind on my payments and I file bankruptcy and for Illinois hardest hits program Illinois hardest hits reinstatement my loan and I contact bankruptcy court to inform them I contacted Illinois state attorney because I over played wells Fargo is now claiming they don't know what happened to money.they have been with information since XX/XX/XXXX can they be dismantled they said to states attorney pay XX/XX/XXXX and XX/XX/XXXX and they will refund {$6600.00} not but they refund the two payments. 
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 explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: UT

Complaint narrative:
XXXX XXXX is in blatant violation of the law in their attempt to re-age an alleged debt that they claim we owe XXXX XXXX. We have not established any agreements which would allow XXXX XXXX to report that the {$390.00} debt was established on XX/XX/2018. We fully dispute this amount and would like verifiable PROOF that this amount is owed. If proof can't be provided that this debt is valid, we want all remarks removed from the CRA 's databases. Re-aging debt is a clear violation of the law and I intend to seek legal recourse for damages resulting from XXXX XXXX 's actions unless we find a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
In XX/XX/2011 false charges were filed against me by the XXXX XXXX XXXX XXXX. They took my kids and truck full of my stuff for income. Judge XXXX signed the order with Sheriff XXXX XXXX I was told. My pick up was taken with a Title loan on it. They claim you must pay it even if it was stolen. This ensures the corrupt XXXX gets money and a free truck. They then place it on your credit report and do not remove it with an inflated amount due you can not pay and deny financial support with thier judge so they can steal your identity after they make you homeless. They stalk you with a XXXX and more.You have to pay a ton of fees for application fees for an apartment then you are denied. The court house also tries to murder you falsifying information and allowing thier cop to try to beat you to death all while not booking you into jail for false charges. The XXXX must be stopped as it is clearly communism.They should not be allowed to do this and take everything you worked for. They even call your job and make up false claims.Non of thier false claims or charges have been proved. The corruption must be stopped. Integrity must be restored and new laws made.Slavery was abolished in XXXX in XXXX and in XXXX in the United States. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: MD

Complaint narrative:
I had a dispute with XXXX for {$99.00}. When I closed my account in XX/XX/XXXX, there was a balance of XXXX XXXX points, worth {$200.00}. My final bill was {$99.00}. XXXX blocked my online account access and failed to respond to inquiries about using the {$200.00} in rewards I had earned toward my balance. Instead of attempting to contact me directly in regard to my dispute, XXXX referred me to a collection agency for {$99.00}. Despite the fact XXXX should have owed me {$100.00}, I paid XXXX XXXX {$99.00} to have the account removed from collections. XXXX never responded to my initial dispute, did not honor my reward earnings, and referred my account to a collection agency without notifying me. 

XXXX ( {$99.00} charge ) briefly appeared on my XXXX credit file, but was removed. However, XXXX is still listed as an adverse account on my Transunion credit report. I have submitted multiple disputes with Tranusnion beginning in XX/XX/XXXX. Transunion informed me that despite that fact that I have documentation stating the account was paid in full from XXXX, the item can not be removed from my credit file. The XXXX account was never adverse, nor should it have been sent to collections. I have disputed the issue with both XXXX and Transunion from the onset.

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 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/2015, I submitted paperwork for the XXXX   Loan Forgiveness ( for the amount of {$17000.00} ) program to Navient. I received an email from Navient that they received my paperwork. Nothing happened after this. There was no follow up from them and my loans were not placed into forbearance. I had tried to call Navient but was constantly put on hold. Until recently, I did not know what to do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
NAVY FEDERAL CU I never had a navy account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit.

Balance {$16000.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NY

Complaint narrative:
XXXX XXXX CU I never had a XXXX account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit. 
Balance {$16000.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks

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 2018-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX  Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last paymentXX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks

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 2018-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ 20000 Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks

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 2018-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. Balance {$20000.00} Credit limit $ XXXX Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. Remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In XX/XX/2018, I applied and got approved for American Express Delta Gold card. 
I had applied through a PUBLICLY AVAILABLE offer for a limited time on https : //americanexpress.com. This publicly available offer had a promotional bonus XXXX  XXXX attached on sign-up. The full terms and conditions of the publicly available offer are attached as pdf. 


Publicly available link on americanexpress.com used for sign up in XX/XX/2018 : https : //www.americanexpress.comXXXX   XXXX I faithfully fulfilled all the terms and conditions of the promotional bonus offer ( making the required minimum spending, and waiting 8-12 weeks ). Note that this particular public bonus offer did not have the restriction around " welcome bonus not offered if you have had this card before ''. 


Please provide the promised promotional bonus of this publicly available offer that was signed up through the publicly available link on americanexpress.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, hyundai closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to Hyundai in the amount of XXXX on XX/XX/XXXX. I called XXXXXXXX XXXX   almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. Hyundai reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me Hyundai was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX Hyundai received a payment from GAP, Hyundai then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called Hyundai several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then Hyundai reported negatively again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
this account was paid when I refinanced a loan. I addition, the account is 7 years old therefore I am asking for this account to be deleted from my credit.

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