vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Mrs. XXXX applied for a modification w Rushmore loan management. She applied several months ago n has submitted all the required documents. As time went on they ( rushmore ) kept requesting more n more documents saying the previous ones were outdated. Mrs.XXXX complied n submitted the reqired updates. I ( XXXX XXXX ) called rushmore numerous times to ask for updates n to ask if anything else was needed. Sometime in early XXXX i reached out to rushmore knowing that the 37 days prior to the auction date was nearing n talked w XXXX she identified herself as the processor handling the file. She told me on or about XX/XX/19 that all necessary docs were in n that she was going to move the file to the next phase for approval.keep in mind this was still 37 days prior to auction date. On or about XX/XX/19 i reached out to rushmore bc i hadnt received the loan modification requirements for mrs.XXXX n was told i needed to speak w XXXX, who was the underwriter n she informed me that even though everything requested was in, that Rushmore hadnt sent out an approval letter to mrs.XXXX n it is now too late to stop the auction bc it was less then 37 days until auction date. Mrs.XXXX more then qualifies for the modification has submitted all necessary documents n because rushmore hasnt generated the approval letter in a timely fashion they are now going to decline her application n sell her home. This is beyond unacceptable. I ask that you please intervene on Mrs.XXXX behalf n allow her this opportunity to modify her mortgage. Rushmore has been playing games w this file for months.i believe they are doing this bc they know MrsXXXX 's property has equity. My name is XXXX XXXX i have been assisting mrs.XXXX with her modification. My phone number is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I currently have a credit card with chase and two credit cards with XXXX   XXXX. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: NY

Complaint narrative:
I currently have a credit card with XXXX and two credit cards with XXXX   XXXX I recently went to apply for a loan and was surprised to hear that  nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.

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 2019-10-10 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: HW Holding, Inc
State: RI

Complaint narrative:
I was contacted by Hunter Warfield Inc. about a non existent debt. I requested validation of the alleged debt in accordance with 15 USC section 1692g of the FDCPA. What they sent me was not a validation of the debt. I had previously disputed the debt. On XX/XX/XXXX I sent a certified letter disputing the validity of the information they forwarded to me to validate the debt. They did not respond and proceeded to send a derogatory report to the credit bureau. Hunter Warfield, as a debt collector works on contingency as such they are attempting to strong arm me to pay money I don't owe.

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 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This in continuation of my CFPB complaint XXXX I am still waiting to be credited back from the {$59.00} charge on my account from XXXX, after Capital One mishandled my complaint.Capital One refused to resolve my dispute against a charge against XXXX for {$59.00} on XX/XX/19, which I've worked very hard with them to answer all their questions to the best of my ability. Due to the nature of my dispute, I was unable to provide physical documentation -- as the reason for my dispute was based on a conversation over the phone with the merchant 's Customer Service, and Capital One re-billed me for the full amount on XX/XX/XXXX. 
Last time I spoke with them regarding this matter, I asked if they do not believe me, and they said it's not a matter of whether or not they believe me. They need to follow the guidelines of MasterCard ... All the agents must be trained to say this because I have heard about 10 different agents say this within the last 5 months. That is a bold-faced LIE. I have called MasterCard and told them they Capital One is saying this about them, and they stated that is false information -- That Capital One is their own company and they have their own policy -- And that MasterCard has NOTHING to do with their decision making process ... Capital One just doesn't want to resolve their customers ' disputes unless they're about unauthorized charges. They should not even have the option to dispute charges that were authorized if they're never even going to be in their own customers ' favor. My experience with Capital One over the last 10 months has been nothing more than unpleasant, time-consuming, and absurd ... The Federal Reserve should put them out of business, because they need to be stopped and no one 's doing anything about it. Are roughly a thousand complaints a day not enough?? 

I provided feedback onXX/XX/19 after they denied and closed my complaint with the CFPB that same day, which they've obviously ignored. I stated that they completely disregarded everything I stated in my complaint, just like they did in response to my first complaint I filed against them back in XXXX. The company advertises that they're there for their customers with their moto being, " We're here to help. '' But they're not. They will stand by the very businesses that their customers are disputing against no matter what they say or show them to back up their claim -- Including court transcripts that they paid {$600.00} for and a second opinion from a lawyer. Capital One is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: NV

Complaint narrative:
Experian has a company that ran credit illegally going back to 2002 stated by XXXX XXXX was told by XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I was told they went back to 2002 then XXXX XXXX  went down my credit file and said they obtain the information from Experian. There is a statue of limitations by what state your in and there is no law that states Experian can use something 17 years ago as stated by XXXX XXXX. I did not give them permission or what ever company they used to go back 20 years nor can Experian provide me such a law state or federal that show Experian can go back for applying for credit. Experian sold or obtain information by XXXX XXXX with out my permission. I was also told Experian/ XX/XX/XXXX ran hard credit in which I'm not buying no house or agreed to such terms by XX/XX/XXXX. There has been a complaint filed with the state Real Estate Division regarding XXXX XXXX XXXX practices and other issues by XX/XX/XXXX XXXX XXXX stated to me they can go back and use credit 17 years ago. Experian also has an OPT OUT meaning that there not to share or have companies run promotional inquires. I have also filed on Experian at the US Attorney office and XXXX XXXX on there practices and how they cause damage.

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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
This complaint is in reference to SARMA!!!!! 

I disputed the SARMA collection account through XXXX  on XX/XX/2019 ; however, I have never received a response from XXXX. I have sent two certified letters to SARMA and they are not being delivered for an unknown reason. I have contacted the United States Postal Service and they are unable to advise why it was not delivered and are unable to track the letter. Due to the fact that I reside in XXXX XXXX, I attempted to drop off the dispute to their office personally ; however, they were very rude and would not take my dispute. I asked to speak with a supervisor/manager and waited for over 20 minutes but no one would come out to talk to me or even come back out to tell me how much longer it may be. 
Why is SARMA providing a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas address if the USPS is unable to deliver and no one will take my dispute in their office? Please see the attached letters that have been sent certified mail on two separate occasions with no success. I have attached both certified mail receipts for your review. It appears SARMA is making it impossible for their collection accounts to be disputed as the USPS is unable to deliver the certified letters and they will not take any disputes in person. 
Please request SARMA to validate this debt account as outlined in my XX/XX/2019 letter ( a signed form with my signature on it ) or please delete this account asap. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: AZ

Complaint narrative:
XX/XX/2-19, Experian Credit Svcs . refuses to put on my credit report ALL my monthly payments. 
1. XXXX XXXX is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. Experian has not raised my credit score accordingly. 
All consumer fraud and violations of 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 2019-10-10 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: FL

Complaint narrative:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX is inaccurate because this item is not belong to me I am requesting that the item be removed to correct the information. 
Enclosed are copies of Dl, SSN supporting my position. Please reinvestigate this account and delete it from credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: GA

Complaint narrative:
I was notified by my credit monitoring company that two derogatory remarks, collection accounts have been added to my account by Bay Area Credit Services. They state they are from XXXX XXXX XXXX but can not give me any additional information. I have called three times, the first two times Bay area Credit could not find any information, the third found the debt and was supposed to email me a statement which I have not received. I have also emailed Bay Area Credit and not gotten a response. I do not know what this debt is nor have I gotten previous attempts from anyone to collect it. I do not have invoices or statements from anyone that I am aware of. Bay area Credit put a derogatory remark on my credit file which dropped my credit score and they can not give me any information as to what this bill is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Friendly Finance Corporation
State: KS

Complaint narrative:
I have had issues with Friendly Finance Corporation : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX We have requested a full statement several times and even fax multiple request and still no Statements. 

We fell behind on our payment and negotiated a Bi-Weekly payment of {$250.00} which has been deducted several time from our accounts in the last several months. They have constantly reported missing payments on our ( my spouse and I ) credit report and will not supply a statement as to how and if our payments are recorded. 

We are dealing with several agents from friendly finance and the harassing phone calls at work. We have specifically requested both verbally and written for them to stop calling my wife work but they will not stop. They have both our cell phones and prefer to call my wife 's work. She has been reprimanded by HR as they call and introduce themselves as Friendly Finance and asked HR multiple times if the vehicle was park at the office as they would like to know in case they need to repossess the car. 

Friendly finance has continue to harass us - debit and collect payments from us and refuse to give us a statement while reporting missing payments on our credit report. 

We have also called to request a statement as we are considering options to pay off the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
1 ) My escrow account prior to XX/XX/2019 has balance of {$1400.00}. After XX/XX/2019 escrow analysis, a surplus of {$160.00} has been calculated by Mr. Cooper. 
Mr. Cooper has documented no increase in property taxes. 
After escrow analysis, the monthly mortgage payment has increased from {$680.00} to {$700.00}. 
Based on the surplus, my monthly mortgage payment should have decreased. 
2 ) As recorded by Mr. Cooper, Mr. Cooper has applied to my mortgage account lender paid expenses chargein the amount of {$370.00} dated for XXXX. 
Mr. Coopers breakdown of the charges are as follows : Properly Inspection : {$15.00} Legal Fees : {$280.00} Maintenance : {$75.00} Why has this amount {$370.00} been applied to my mortgage account when I have no legal matter and I pay maintenance dues to the condo association?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX ( XXXX XXXX. I and my family were residents at the XXXX XXXX XXXX in XXXX XXXX and our lease ended. We followed the process that we were told and moved out of the apartment on the last day after returning the keys to the main office. The office did not give us any statement showing our balance on our last day but we gave them our forwarding address ( our new address ) along with the apartment keys. We then waited for a statement ( or invoice ) and our re-embursement for the security deposit but we did not receive it. Recently, we got a call from a creditor company asking us to pay {$2500.00}. Our monthly rent used to be around {$1900.00} and we paid a security depost for the amount {$350.00}. 
We have not received any form of email notification, mail from management XXXX XXXX XXXX XXXX, nor our deposit check. Our 12 month lease term started on XX/XX/XXXX and ended on XX/XX/XXXX. 
Please help! What should we do? The creditor ( IQ-DATA ) told us that if we don't pay the {$2500.00}, by  the end of this month, they will update our credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOnerefusedtoforceXXXXltoreimbursethemforachargeonmyaccountandthencreditmyaccountforthechargeof{$170.00}backonXX/XX/XXXX,afterIcancelledtheservicesbutwasn'tprovidedwithproofofdoingso.AndXXXXdidnotshowdocumentationthatIdidnotcanceltheservice.Therefore,itwasCapitalOne'sjobtoprotectme,theircustomer,andtreatthisasafraudmatter...Butofcourse,sinceCapitalOneisafraudthemselves,theywereinfavorofthemerchant...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: K A P S & CO (USA) LLC
State: MO

Complaint narrative:
This company was sold a debt for XXXX XXXX, this was a fraudulent account. XXXX XXXX has acknowledged this and I actually have an active, currrent account with them. However at some point 3 years ago they turned it over to a collection agency. When that first appeared I contacted that agency they contacted the customer everything was resolved they removed it from my credit I have the letter from them and the apology except apparently instead of deleting it they sold it to somebody else I guess so that they made some money off of the debt that they bought. Now the new company has added it to my credit report and is harassing me, I have told him repeatedly verbally and in writing that this was fraud And it has been removed twice now as fraud and they refused to do anything about it I should not have to keep disputing the same debt over and over again I am sorry they bought it that they couldnt collect on but they need to delete it off of my credit report because they just kept me from buying a house and Im really considering suing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. XXXX  XXXX is missing XX/XX/2019, andXX/XX/2019. 
2. Credit Acceptance Corp. is missing XX/XX/2019 and XX/XX/2019. 
3. Credit Acceptance Corp has been paid in full as of XX/XX/2019. 
3. XX/XX/XXXX has not raised my credit score accordingly.

All consumer fraud and violations of 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 2019-10-10 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: AZ

Complaint narrative:
XX/XX/2-19, XXXX XXXX XXXX XXXX refuses to put on my credit report ALL my monthly payments. 
1. Capital One is missing XX/XX/2019, and XX/XX/2019 
2. XXXX XXXX XXXX is missing XX/XX/2019 and XX/XX/2019. 
3. XXXX XXXX XXXX has been paid in full as of XX/XX/2019. 
3. XXXX has not raised my credit score accordingly. 
All consumer fraud and violations of FCRA.

Company response to consumer: Closed with explanation