vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My concern involves how my escrow account is being handled by Rushmore Loan Management Services. My property 's flood zone was updated by FEMA which no longer required me to carry flood insurance. I cancelled my policy with my insurance company in XX/XX/XXXX and contacted Rushmore to remove the flood insurance policy from my escrow account. I mailed in the cancellation documentation at Rushmore 's request. They confirmed receipt of this documentation and a customer service rep told that they would remove the flood insurance from my account and when an escrow analysis was done at the end of the year, my payment would be updated and I would be refunded for the funds that had been escrowed for my flood insurance. Instead, when the escrow analysis was done inXX/XX/XXXX, flood  insurance was not removed and an account disbursement was noted for payment of flood insurance that was never billed. A customer service rep confirmed for me that funds were taken out of my escrow account to pay flood insurance but would not tell me where the funds went since there was no flood insurance bill to pay to the insurance company. I was told it would take 30 days for the funds to return to my account and then they could consider doing an escrow analysis to update the escrow account, refund me for overages paid and adjust my monthly payment. Upon further review of my incorrect escrow analysis, I grew more concerned when I noticed that myXX/XX/XXXX payment to my escrow account was not accounted for on the analysis. It seems that instead of reconciling my account and investigating why flood insurance was still a line item on my account, Rushmore conducted fraudulent activities to justify carrying and collecting an illegal surplus of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX MA XXXX has placed a collection in the amount of {$210.00} on my credit report with XXXX. The original creditor is XXXX XXXX. This is a result of Identity Theft. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XXXX and XXXX. I have not received mail or correspondence from XXXX XXXX XXXX or XXXX XXXX regarding debt in the amount of {$210.00}. However I am regularly contacted by odd telephone numbers throughout the day from a company that refuses to identify themselves unless I provide my date of birth and other personal identifying information. I am a victim of identity theft and will not provide that type of information by phone. I have attempted to resolve this issue with XXXX XXXX XXXX   however they are claiming that they can't identify this collection. There is no account number listed with this collection on my credit report and I have not received mail or correspondence from XXXX XXXX XXXX   Please remove this collection item because its a result of identity theft and fraud. According to the alerts on my credit report this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: TX

Complaint narrative:
Please reference XXXX It was closed because Experian Lied and said those items aren't on my report. I'm looking at my Experian report and see all 4 Bankruptcies on there. 

I took it a step further and called Experian at XXXX XXXX XX/XX/2018 and asked if they see the items on there. Experian confirmed they are on there. 

This is why consumers are so frustrated with all 3 bureaus. They wear us out with endless canned responses until we just get tired and quit. 

I hope you can fix this.

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 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Services Corporation, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX I made a payment for my loan. The company is trying to claim it got declined, but I had the money removed my account and not returned. I have made a payment every month to them ; on two accounts they took two payments when I authorized only one. I had one of each of those returned, but the other payment remained active. I was told BY THEM that I had to file with XXXX for a return, which they have the call recorded of me being told this. I did that, and now theyre claiming I didnt pay, when my banking accountant statements say otherwise. I went through my receipts every single month, and yes, there is a payment to them for every month. I have also sent them the evidence and required paperwork, but they refuse to acknowledge it. I do not owe them ; if anything, they owe me, and the EXTREME negligence in the handling of my debt needs to be handled by someone else, as obviously theyre too incompetent to do it themselves. I am harassed every month since by them when I do not owe them for an errant month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: AR

Complaint narrative:
To Whom This May Concern : Upon reviewing my Experian account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 22 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 22 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate XXXX respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reference XXXX Experian is asking me to send in documents. They have my address as I just called them and asked. 

More stall tactics from experian.

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 2018-01-30 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: VA

Complaint narrative:
There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) owes me a refund of {$8700.00}. This is due to them telling me to apply for additional loans from other banks. XXXX XXXX   agreed that they had received an excess of {$8700.00} and that this amount would be credited to the account that was opened with GreenSky, a creditor. I have been corresponding with GreenSky and they have indicated that no refund has been received and that because of the nature of their relationship with XXXX XXXX, any such credit needs to be sent to me directly to me to deposit and make a direct payment to the account. XXXX XXXX XXXX is unresponsive and GreenSky is in essence not helping me recover the overage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Capital Management Services, LP
State: GA

Complaint narrative:
I sent a letter out to capital management services/university XXXX XXXX on XX/XX/XXXX. They responded on XX/XX/XXXX that they received my letter requesting verification of my supposed account. However, I didn't request verification but VALIDATION. I have yet to receive another letter, including validation of the debt. So I believe that it is safe to assume that they can not provide the requested information. I also sent them a letter out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a previous complain which is closed without proper resolution # XXXX. 
This is regarding hard Inquiry in my credit report from unknown agency XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX   both and I do not remember I have not authorized any one of them doing it. 

So If this is not authorized so they can't hit 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
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Called XXXX XXXX XXXX today spoke with XXXX ... my loan payment jumped from {$5.00} to {$270.00} dollars monthly payment which is coming up due XX/XX/2018. I called today to see about lowering my monthly payments to something more affordable. I have a car payment and rent and many bills. The rep ask me my income, if I'm married and if I have dependents. He placed my on hold got back on the line ask me how I can afford as monthly payments then told me he can lower it to {$150.00} per month. I can't even afford that then he said the only other option if forbearance. Also I inquired about why there is a diffrence in interest accrued from navient website and from the nsld.ed.gov website and was told they might have inaccurate information but ours is up to date and current the rep stated Congress sets the rates. But he then mentioned if I have my loans on auto pay I can get a reduction on the interest rate which confused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have tried numerous time to dispute the late payment information on my account with both the lender ( NavientXXXX ) and all three major credit bureaus ( CBs ) and they will not update and/or remove the information. 
It is on record with the National Student Loan Database System ( NSLDS ) that specific accounts were in forbearance during a specific period of time yet my lender reported to the CBs that there were late payments during the forbearance period, even though they are the ones who originally reported that information to the NDLDS. 
Another issue I have is during the later half of 2015 I moved and had my mail forwarded for 90 days ( XXXX ) yet I have a late payment during that period and the statements were not forwarded properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BlueChip Financial
State: TX

Complaint narrative:
Received a call from a XXXX Delaware number ( XXXX ) XXXX, first they called on my house phone which I did not answer, then they called my cell I answer and they guy was saying that I owe {$600.00} plus on a loan from XXXX  and saw that I was making payments on the loan in 2015. I said ok well I need to see this in writing to see the amount of the loan, he said he can't send that to me because they have been before and I have not received anything from them in years. So then he said its turned over to litigation and they will pursue legal actions towards me and I stated well I need validation in writing about this loan that they say I owe and I know I don't owe that much if I had been making the payments on the loan. So then he kept talking asking what made me fall behind and I just hung up the phone and he called me right back but I did not answer, I did ask for a validation letter and was told it's too late for them to send.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop  receiving this call daily, some times several times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I withdrew XXXX in Euro to my bank account. The transaction is still pending from my bank account. They are still holding my money in limbo without a response. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
I disputed this already and my background check still came up as a fail. 
I never used the name XXXX- but received mail in that name It also says one of the addresses in incorrect- I cant remember which one. 
How do I pass this? I am not a criminal. I was fired from XXXX XXXX  because of the failed background check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
The Loan servicer Navient has added more than double the amount owed as the amount of student loan and is reporting inaccurate information. I believed that most of this has been paid. I asked for records with the loan servicer and they are unable to provide where the information came from, I contacted the state of Michigan and they gave me several pieces of accurate information. The servicer is reporting more than double the balance that was transferred to them and in the past 7 years the loans were almost paid off until they were sent to Navient. I have paid over {$18000.00} and now the loan amounts have more than doubled. I have contacted Navient several times in the past 6 months and they still can not provide information on where the balances came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Account number XXXX ; XXXX XXXX XXXX XXXX - repossessed without notification Background I XXXX XXXX XXXX - bought a car in XXXX from XXXX XXXX texas for XXXX approximately and had an automatic XXXX $ payment set up in my bank to go and for unknown reasons the bank automatic payment stopped on XXXX.We have not checked it and with XXXX $ balance left out when I was in XXXX XXXX Lousianna I came to found on XX/XX/XXXX i could not find the car parked in my location and found it was repossesd for failure to payment. 

Payment made XX/XX/XXXX XXXX~ for 4 month due and XXXX repo charges I am in good credit rating and XXXX XXXX requested me to get the car on a loan for their credit department benefits when I bought it in XXXX, otherwise I would not have gotten it on credit at all Issue Called XXXX TFS Toyota - they said they did not have to inform me that I am behind on my vehicle 's payment and that they can repo if I do not pay and a decision was made to repo on XX/XX/XXXX with NO phone or email or letter communication and they mentioned my phones were listed as do not call list despite we get calls from toyota to get extended warranty - we listed as do not call list for tele-marketing and we kept getting them regularly anyway. 

Please do the needful for this type of action in regards to making sure companies like this will not rashly take decision without informing consumers, hold hands with third party teams to make few extra money in repossession charges and to destroy the credit rating of consumers particularly minority despite knowing the minority is a XXXX in good standing in the community and credibility with good credit ( they have checked my credit monthly from XX/XX/XXXX as i pulled reports after the fact ) - even if they were on donot call list the do not call list is for marketing not for do not call when you are dying or going to take away the vehicle Please do the needful XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sent {$13000.00} from XXXX XXXX XXXX XXXX Coinbase Inc on XX/XX/XXXX, here is the receipt, We have successfully sent the following transfer : XXXX Item # : XXXX Amount : {$13000.00} To : Coinbase, Inc Fee : XXXX Send on Date : XX/XX/ Service : Same Day ********************************************* Coinbase owns XXXX, and it promised that " Bank wire transfers may be credited to your XXXX  account on the same day if submitted by XXXX PT. Otherwise, funds will be available after one business day. '' I've contacted XXXX and it's been about 2 days but nothing shows in my account. 
My XXXX account is XXXX XXXX

Company response to consumer: Closed with explanation