vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On Saturday XX/XX/2018 I was on XXXX seeking information on an home loan rate. I had been pre-approved by a mortgage lender and was trying to determine how competitive his rate was. I was lead to believe from the information listed on the site that the result would be the days mortgage rate listed for different mortgage lenders. My purpose on the XXXX was simply to rate a rate quote for a home loan. I had no intentions of applying for a loan with them or any of their affiliated lenders. 

I later received a notification from a credit monitoring service that I had a new credit inquiry from an auto lender ( roadloans.com ) which is a division of XXXX XXXX. I in no way had any interest or desire to apply for an auto loan. 


I attempted to resolve the issue with both XXXX   and XXXX and was told by their employees that simply by clicking a butting on their site I was applying for an auto loan and could be matched with up to five lenders. After informing both sites that I was not made expressly aware of the fact that I was making an auto application, I was told that their disclosures on listed on the site and it was my fault that I did not read. 
There is nothing in the click stream that I followed that expressly or otherwise communicated to me that I was applying for an auto loan and that application would result in a credit inquiry. The site is created in such a way that leads the consumer to believer that they are simply answering questions for information sake. I was completely unaware that by answering some questions on XXXX to receive a mortgage quote I could be applying for an auto loan. 

It is my belief that their practices are extremely deceptive and unfair to customers. They should make it explicitly known that the customer is applying for credit and require an explicit acknowledgement from the customer to that fact.

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 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CB1, Inc.
State: AL

Complaint narrative:
Someone fraudulently used my id to obtain medical services. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
As an misinformed student about student loans, I agreed to a loan through Sallie Mae. This was the only way I could afford to attend college. I am a first generation college graduate. My mother only went through high school and my father middle school. It was my understanding, as I was earning a degree in XXXX XXXX, that my loans would be forgiven through the XXXX XXXX ( XXXX XXXX ) program. I feel as though I was mislead by the school and the loan company. After struggling with repayment, finding a job, and managing finances, I began to pay on the loan. Which at this point has more than doubled. As I was mislead again to go into forbearance until I could afford to repay the loan. Now that I have been repaying the loan going on several years. Keep in mind it started as a {$25000.00} loan and is now around {$45000.00}. During the time I could not pay they called me several times a day. They started calling my work. They even faxed my work. This was embarrassing as my boss received the fax. I was nervous that they would start harassing my work as they were harassing me several time a day as I was at work. So, at one point in default their in house collections representative called me. I spoke to them several times and on occasion they offered me a one time payoff amount which was a portion of what I owed. Of course I could not afford that which is in essence I am sure why they offered it. Skip to a couple of years later and I am paying on the loan for several years with my understanding the interest rate being .5 % for the first year. However, my loan amount was only going down in {$20.00} increment with additional fees and capitalized interest in large amounts. After selling our house I call Navient and ask them if I can still make the one time payoff. Their response was no because it is no longer offered because I was not in default. They said you have to be in default for almost a year before they would work with me. I had this conversation several times. So, I have to let my loan go into default, occur more interest, late fees, etc before anyone would work with me to get out of this debt. I even filed a complaint on here. Their response was along the lines of you agreed to the loan. Ok, so I have been paying on the loan and all of a sudden I notice the payments have stopped coming out of my " auto draft '' account. I realized they have placed me in " INSchool '' deferment without even asking me. Again to capitalize on interest I am sure. I just want to get out of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
Good Day, Since XX/XX/2017 I have been trying to submit a modification to Rushmore low mileage on several occasions since XXXX and XX/XX/2017 they have told me they have received the packages in later turn around or day after or two days lately with a message or city some type of a mailing no they dont have all the paperwork and when I get in contact with Rushmore and let me know if the let me know what paperwork they need which they already have received which I faxed over again and then they say they will send it to the underwriters in which what is it to the underwriters they call me back to see another different pages missing or I need to write in my own hand writing why dont I have this why that I have that I have sent documents with this complaint that I have thats involved. I have been through HARP COUNSELING, they also say I should be approved. I believe Rushmore Loan Management is trying to force me even being on XXXX through my employer out my Home for my Wife and Kids. I am sick and now that things are on track financially I can start to recover my life back. Even though I have XXXX XXXX XXXX that should not be a reason to discrminate me on being able to keep my home I do not want to lose to foreclosure. Over a year Rushmore has been stringing me along to raise the dept to make it hard to get approved for help to keep my home. They have lied to me on numerous occasions. Please help me and my family stay in our home. God Bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
XX/XX/18 Transworld Systems attempting to collect a debt for what I believe was XXXX XXXX XXXX called my place of employment, I did not answer. Shortly thereafter they called my mother who was listed as my emergency contact and left a message on her machine stating that the call was regarding my 'past due account '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I recently sold my residence and the mortgage was through Citibank. They are charging me for a " faxing fee '' of {$25.00} to provide the payoff which I did not request or authorize. They do not have any fee list posted and refuse to refund or send me my escrow balance in a timely manner. Please help as my tax dollars were used to help these greedy people but they just don't care about customers.I called Citi and was told that they sent my information because it was requested. There is no authorized form on file so they basically gave my mortgage information to strangers. the title company said it is not normal for the mortgage company to charge a fee let alone {$25.00} to fax a payoff amount. I requested the payoff amount in late XX/XX/XXXX and it was mailed at no charge so why the excessive fee?

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
WE RECIVED A LETTER IN LATE XX/XX/XXXX, THAT MY MOTHERS HOUSE PAYMENT WOULD BE GOING UP TO XXXX BECAUSE OF PAST DUE TAXES AND THEY WILL OPEN AN ESCROW ACCT. WE CALLED M & T BANK TO ADVISE THEM NOT TO OPEN AN ESCROW ACCT, THEY HER TAXES WERE BEING PAID MONTLY FOR THE COUNTY, AND ONLY {$98.00} WAS DUE AND WE HAD SENT CHECKS TO THE COUNTY OFFICE TO PROCESS  FINAL PAYMENT ON XX/XX/XXXX. WE WERE ADVISED THAT MT BANK SENT {$220.00}, BUT {$120.00} WAS SENT BACK TO THEM FOR OVERPAYMENT. XXXX ADVISED US TO SEND COPIES SHOWING WE PAY THE COUNTY TAXES. WE DID. IN XX/XX/XXXX, WE SPOKE TO XXXX XXXX XXXX  IN THE MORTGAGE CUSTOMER SUPPORT DEPARTMENT AT XXXX, SHE REVIEWED THE ACCT AND SEEN WHERE WE HAVE BEEN PAYING THE COUNTY TAXES FOR OVER 15 YEARS AND NEVER HAS MT BANK PAID, UNTIL NOW. SHE ADVISED US TO PAY THE {$98.00} TO HER BY CHECK AND THAT WOULD CLEAR THE PROBLEM UP. AND THAT MY MOTHERS ACCT WILL GO BACK TO REGULAR PAYMENTS AND TO WRITE AND ADVISED FOR MT BANK TO NOW OPEN AN ESCROW ACCT, BECAUSE WE PAY THE COUNTY TAXES AND MY MOMS GET A TAX FREEZE ON HER CITY TAX BECAUSE SHE ELDERLY AND XXXX, SO SHE DOESNT HAVE TO PAY THE CITY TAXES. I SENT THE LETTER IN XX/XX/XXXX, AND MT BANK WRITES BACK THEY ARE CONTINUING WITH THE ESCROW ACCT BECAUSE WE THE TAXES FOR XXXX AND XXXX WERE NOT REMITTED TIMELY. THE TAXES IN XXXX WERE PAID ON TIME AND WE HAD ARRGMTS FOR XXXX FOR THE {$98.00} DUE, WE NEVER RECEIVED ANY DELIQUENT NOTICE FROM OUR COUNTY TAX OFFICE BECAUSE WE PAY ON TIME. MY MOM COUNTY TAXES ARE ONLY {$300.00} AND MT BANK IS CHARGING HER AN EXTRA {$150.00} A MONTH. I SPOKE WITH XXXX A SUPERVISOR IN THE TAX CUSTOMER SERVICES CENTER ON XX/XX/XXXX HE ADVSD HE WILL RESEND TO ESCROW. I ASKED TO SPEAK WTH AN ESCROW REP HE REFUSED ADVS TO WAIT UNTIL THEY SENDS A LETTER. I ADVISED HIM IN 15 YEARS WE HAVE NEVER HAD A PROBLEM WITH PAYING THE HOUSE NOTE OR TAXES BUT NOW MT BANK WANTS TO OPEN AN ESCROW ACC WHICH WE REFUSED AND PAY TAXES THAT THEY SHOULDNT PAY. BECAUSE MY MOM GETS COUNTY AND CITY ASSISTANCE AND HAVE BEEN FOR YEARS. ALSO WE HAVE LEFT SEVERAL MESSAGES FOR XXXX XXXX XXXX TO CALL BACK, AND SHE HASNT CALLED PERIOD. ALSO LEFT MESSAGES ON HER VOICEMAIL, AND NO CALL BACK. ALSO LEFT MESSAGES FOR HER SUPVISIOER TO CALL BACK AND NO CALL BACK. MT BANK PREYS ON THE XXXX COMMUNITY AND NEEDS TO CLOSE DOWN. MY MOM HAS BEEN PAYING ON THIS ACCT FOR OVER 15 YEARS AND STILL OWES XXXX. SHE HAS ALREADY PAID OVER {$31000.00} AND WAS ONLY GIVE ABOUT 15K.

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 2018-08-08 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX  is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/2018I received a notice that PNC bank had issued a 30 day late default on my credit report. In XX/XX/2018 I entered into a PNC personal loan that was supposed to be auto removed from my PNC account.. The first auto removal was in XX/XX/2018 and was deducted correctly. In XX/XX/XXXX I received notice that XX/XX/XXXX payment had not been made. I contacted PNC two separate times around XX/XX/XXXX and was ensured every thing was fine that they are unsure how the situation happened and I was scheduled for auto deduct and every thing should be fine. When I received the notice today I called PNC and after 1.5 hours was able to finally find a person that could figure out what happened with the account. She stated that at some point after to first auto deduct PNC went in and adjusted my rate to reflect the agreed 0.25 deduction for auto deduct payment and that some how messed up PNC 's system and the payment was not taken out. It happened again in XX/XX/XXXX she said, even after I called on 2 different occations and was told it was corrected. I am not late on any payments. My credit should not have been negatively affected this way. This was a PNC error. I am not late on any payments and all payments are up to date. Please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
This is in response to complaint XXXX. These are considered stall tactics. I will not be contacting the original debtor because they sold the debt to you hence why you are trying to collect this debt from me, they are no longer pursuing so I will not be contacting them. Again, what you sent me was VERIFICATION -- -which are bills, receipts, itemized statements, that is not what I asked for. I asked for VALIDATION -- which would be a promissory note or contract with my ORIGINAL SIGNATURE. In your complaint you stated it would be part of my medical record to obtain this. That is not true.Having worked in the medical field, you can request the signature page of what the consumer signed that contains no information that would violate HIPPA. Now I have asked for validation several times and you have yet to provide. If you continue to not provide this info and break these Federal laws, I will be forced to take this complaint to a higher level. I have no issue with suing your company for failure to provide the requested info and that was supposed to be done months ago and I will spend the money to take you to court!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2018 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts, inquiries and public record bankruptcies. On XX/XX/2018 Equifax sent me a letter explaining their investigation process, which basically stated that they verify information electronically and uses a third-party vendor named XXXX to validate public record items such as judgments, tax liens, and bankruptcies. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2018 I received the results back from Equifax in which they claimed to have verified all of the items I disputed. On page 3 of the  dispute result letter, Equifax explained that they verified all 4 public record bankruptcies from XXXX. This is where Equifax gets caught in their lie and breaks the law at the same time. I mailed a letter to XXXX requesting that they place a security freeze on my XXXX file. They mailed a letter back stating as of XX/XX/2018, a security freeze has been placed on my file and this would prevent XXXX from releasing my XXXX reports. So even if Equifax didn't want to follow the law mandated by the ( FTC ) and verify all information from the original date furnisher, which in this case is the U.S BANKRUPTCY COURTHOUSE. They lied and said they verified the bankruptcy through XXXX, which is impossible because my file was frozen as of XX/XX/2018. I disputed these bankruptcies along with other items on XX/XX/2018. This clearly shows my file with XXXX was frozen for 19 days before my dispute with Equifax on XX/XX/2018. In addition, Equifax verified all of the items past the 30 days allowed by law. So, all of the items I disputed must be deleted. I will upload the dispute letter I sent to Equifax, along with the items I disputed, the letter from XXXX and the dispute results Equifax mailed back. 

I ask that the CFPB assist me in this matter because I need a higher source to mandate the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Problem : XXXX transactions from XXXX can not be traced to the actual account that money was deposited to. 

Background. 
Discovered in XX/XX/XXXX that my XXXX XXXX recipient did not recieve payments that were processed from XX/XX/XXXX to XX/XX/XXXX. The first payment was a {$1.00} ( which was a test for this system ) and the rest of the payments were {$1000.00}. She recieved notifications and accepted the payments via XXXX. Unfortuantely She never actually checked the account that the money was depositing correctly. This account was a secondary account and chase is not her primary bank. The account that she registered her XXXX account with was a savings account. She does not have a checking account through chase. Primary accounts have been checked to see if money was deposited in her other accounts but nothing was found. The discovery was found when Chase contacted the recipient because their account was inactive and was soliciting them for investment options. The balance was reviewed and then the discrepancy was discovered. 

Accounding to Chase customer service XXXX XXXX can not deposit into a savings account and should of returned to my account within the week. I have documentation that all payments left my bank account but never returned. I also have documentation that the intended account never received the XXXX payments. 

The issues that complicate this case is the age of the transaction and that the recipient closed the account when they discovered the issue because they longer wanted to deal with Chase.

My Chase branch manager and staff have done all they can do to try to resolve this problem but because of the age of these transactions they are limited in what they can discover. The Branch and I have found the online support unable to deal with an issue like this and did not seem to know how to escalate it. Someone from " Research '' left a message with a phone number and an extension. I called back many times but was never called back. My branch also called this extension and never received a call back. We have repeated this process several times with no success. 

I need to know if trully this money can not be traced and that I'm not just a victim of poor customer service outside the branch level. I have banked with Chase ever since they bought XXXX XXXX. I do everything through Chase. I have a house payment, my rental house payment, a truck payment, savings, and two credit cards all through Chase. If I can not recover this money then at the very least I need to know what exactly happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Below are two messages that were left by this company on XXXX Good morning XXXX my name is XXXX XXXX. I'm with XXXX XXXX XXXX XXXX unfortunately sir serving you final legal notice XXXX as a result of your dock appliance we have conducted an in-depth investigation into your case and finances. It is our intentions to commence and prosecutor pro tractor lawsuit in the courts seeking compensation and punitive damages awarded both by Yes XXXX XXXX this is XXXX XXXX I just got finished speaking with you XXXX XXXX please give me a contact call so I go over a deposition with you real fast to see what you would like to do it if if that's something you don't want to do please have your attorney give me a call as soon as possible. If you don't mind. Good day sir.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-08 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: IA

Complaint narrative:
While looking at my Equifax report, I saw that two addresses list are places that I've never lived Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX IOWA XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX I have been a victim of Identity Theft, but wasn't sure what option to select when filing this complaint.

Company response to consumer: Closed with explanation