vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Regarding : Rushmore Loan Management Services During Covid-19 I lost my job and called to see what the options were in XX/XX/2020. They told me to fill out the form and that someone would call me back within 10 days to discuss my options. 

After not getting a call back, I called them to ask about what would happen. The disrespectful and worthless person ( still a human but worthless because they did not know anything and could not help me because they did not have any information at the time because blah blah blah excuses ) that picked up the phone could not answer my questions. When I asked to speak with a manager they forwarded me to an answering machine and I left my contact info. After not getting any call backs I called them again and got another worthless person that sent me to the voice mail of another manager that was not available. 

Whom can I talk to about my options that does know what they can do and knows about the legislation enough to solve my issues? Or even more simple, who works at Rushmore that is polite and knowledgeable and able to pick up the phone? Customer service is not their strong suit!

Seems that they want to put me on forbearance and ding my credit report with a forbearance note that will hurt my credit In case I need to get a business loan in the future. Also they dont know if my payments will be required to be paid in full on the fourth month or if they will make me refinance or simply tack the payments on to the end. For that I would have to wait until the end of the three months and see if they decide one way or the other. Unfortunately, I need an answer now to plan correctly.

Additionally, the letter that was sent out to me says that my payments are past due, even though my payments are current. The person on
the phone said its just a generic form that was filled out ... and yet, if I sign and agree to it, they can say but you signed it and I would be the one on the hook. Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
My complaint is in reference to Experian Credit Reporting agency, regarding fraudulent accounts remaining on my credit file. After contacting, the original creditor and consumer credit reporting agency. I was told by Experian department to file a FTC identity theft report Affidavit in order to have the fraudulent accounts blocked and deleted from my credit file. I sent Experian the required documents via certified mail on XX/XX/2020. However, the following accounts still remain on my credit file. XXXX XXXX XXXX  # XXXX ... XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX # XXXX.I was told by Experian according to federal law Fair Credit Reporting Act. That the items contain in the theft report will be blocked/ deleted seven days prior to receiving the theft report. It has been well over 30 days since I sent Experian the required document. It is a awful how the credit bureaus handle fraud victims. I feel treated as a suspect instead instead of a victim. Please assist in resolving this urgent matter.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Credit card company charged me {$13.00} interest after my account was paid off in XX/XX/XXXX. 
I made two payments in XXXX before the statement closing date. 
1. {$300.00} on XX/XX/XXXX and 2. {$500.00} on XX/XX/XXXX. This paid the account statement balance in full. The next statement was sent on XX/XX/XXXX with interest of {$13.00} oweing at 22 %. 
This is not correct and needs to be removed from my card. I do not owe this. Account ending in XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX This is company failed to notify me by mail verifying the debt. They added the debt to my credit file on XX/XX/2020. I have yet to receive any information from this company. I have provided the company with my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I would like for the company to provide me with their attempts to contact me in writing and remove the entry from my credit file. I also like to see if the statute of limitations for what they are claiming. 

I would appreciate any help that I can receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
TIAA has held our payments instead of applying them and then assessed late fees. They will not apply payments as we have asked. We paid the escrow as their customer service agent direct us to back in XXXX of 2018. We were told go pay the full escrow and that it would be removed from the account. We were also instructed to only pay principle and interest. 

We have been calling and writing letters with nothing but negative results and complete inconsideration for restocking this matter from TIAA. 

They have tried to overcharge our escrow and continue to hold our payments in suspense so they can assess more late fees. Then they negatively report against our credit. This has become an impossible situation. 

We have paid the escrow and monthly principle and interest on time. We have been calling and asking for transcripts of the calls and they wont supply them. We have written letters and they disregard our complaints and tell us they can do whatever they want. 

Please help us get this situation resolved. TIAA is calling us almost daily and harassing us and sending threatening letters with falsely reported amounts on delinquent notices and foreclosure threats. They have been disrespectful of our sons medical situation and caused more anxiety for our family. It is completely unnecessary, the account is current, with the exception of their late fees, that they should not have charged. 

We have tried contacting them through phone and letters and doing everything we can. It is clear that they have no interest in servicing this loan correctly or applying payments correctly or doing anything but assessing fees and creating enough chaos that well just give up and pay whatever they tell us to. As their manager conveyed to us in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: NV

Complaint narrative:
We have a mortgage that is serviced by Capital Mortgage Services of Texas. This is the second CFPB complaint that we have filed against this company. The first was settled after the CFPB interviend on our behalf approximately 4 years ago. We have had several problems with how the company has applied our payments over the past 4 years, but we have been able to resolve the problem with the company. However, we have an ongoing problem with the company that dates back to XX/XX/2019  when they changed our escrow payment requirement without notice and without providing us with an escrow analysis. Our tax and insurance escrow amount increased from {$100.00} to {$190.00} without any explanation. Capital Mortage has a history of appling PMI to our loan amount eventhough the loan was closed without PMI, we think the increased tax and escrow is due to this PMI. But we have not received a escrow analysis to be able to determine this.

After several months of email complaints Capital Morgage applied several credits to our account to correct the balance. Then in the very next month another incorrect escrow payment was added to our statements. I have been trying to reach the company by email, but I have not been able to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CA

Complaint narrative:
Upon reviewing my credit report, which I acquired from Experian, XXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.

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 2020-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
For the past several weeks I have made repeated applications to my bank, US Bank, for the special SBA pandemic relief loan so that I can maintain my employees. We are a small XXXX XXXX XXXX  firm with six employees. We have had the same bank account for more than 30 years, for many years owned by US Bank. I am in daily contact with my local US branch banker, who is trying to help. The bank says they have received each of my applications, but keep asking me to reapply because they are either having a problem responding or believe they have responded but can not find the messages and application numbers they say they have sent us by e-mail. We have continually searched in all e-mail folders and have checked with our e-mail host, but none of the loan-related e-mails or contacts from US Bank have ever arrived, even at our e-mail host prior to all filters. Meanwhile, we continue to receive all other e-mail from US Bank about our account and from our US Bank contacts who are corresponding with us trying to get access to the central US Bank application process. The US Bank delays made us miss the first round of SBA funding. They are continuing to delay our application and although they say they have received each of our applications, they say they can not find record numbers or messages they have sent with next steps, and then ask us to reapply again and again. We fear we will miss the funding again. Meanwhile we are struggling to meet payroll and spending a lot of time communicating with US Bank and applying and reapplying through a cumbersome process multiple times. Is it possible for your office to see if US Bank is treating small businesses fairly and help make sure that small XXXX XXXX businesses receive the same opportunities as larger firms? Any help your agency can give us to help get US bank organized and working effectively will be much appreciated during this difficult time. Thank you.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
The company called me 5 times in 1 day. I called them back and they refused to tell me what the company was. He kept calling me names and telling me he wasnt playing games. This is ridiculous. Youre a child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
Good afternoon, I am filing a complaint on Sequium Asset Solution and XXXX XXXX. 
The reason I am filing this compliant because both companies misrepresent inaccurate and time information. 

I had a service account with XXXX, I told them I needed to cancel my services and they said they would at no charge. One month later they sent me a bill stating the I owed them I tried disputing and ending paying it in full. It was paid directly to XXXX and not Sequium Asset. Know I have Sequium Asset Solutions on my credit profile for no reason. 

I was not given any warning or information in writing from Debt Collection Company or XXXX. This information was falsely placed on my XXXX profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Home depot has a 24 month no interest promotion in XX/XX/XXXX for purchases {$2000.00} and over. THey have been charging me interest on this promotion. I have called the credit department, I have sent messages through there website and have gotten no corrections or resolutions. They offered a 24 month no interest promotion and are not honoring it. I do not owe the interest charges they have put on my account since XX/XX/XXXX. THe debt date on their statement is false and they are collecting money not owed to them. The expiration for the promotion should be XX/XX/XXXX. They are falsely promoting no interest programs and not honoring the conditions of there contract and now charging interest on the full amount.

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 monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I am a cosigner on my nephews personal student loan account with Navient Bank. The original loan amount was {$3500.00}. I've been paying the loan on my nephew 's behalf and noticed Navient was charging me interest on top of interest. They were charging me interest on {$6000.00} ( principle and accumulated interest ) opposed to the original {$3500.00} principle amount. I contacted Navient and complained and was told there was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, which I acquired from XXXX, Equifax, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I spoke with Peaks on the phone and they stated they didn't need to mail me any documentation. they informed me that all they are required to do by law is provide the credit bureau the default. I wasn't provided any information regarding the default until I spoke with XXXX   and they saw this information online. It is only shown on my XXXX but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-04-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company AMEX American Express on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
This is an issue that I have with LoanCare and my mortgage escrow amount. 

I went from paying around {$1300.00} a month including property taxes to being charged over {$2100.00} because of the wrong amount being reported by the county I live in ( XXXX Co, SC ). This happened XX/XX/XXXX. I had the issue resolved with the county but since LoanCare had already payed the incorrect amount to the county for the XXXX tax year, I agreed to have a 36 month escrow spread with LoanCare and the county issued me a refund as well as a statement with the correct property tax amount on it. I forwarded this statement to LoanCare XX/XX/XXXX and was told that a reassessment for taxes would not take place until XX/XX/XXXX. I contacted LoanCare in the fall when I saw my mortgage amount did not change. I was then told that it would be assessed this Spring. It has now been a year of me overpaying and when I call I can not get through because of the current Covid situation. My account has also been deactivated on their website for no reason so I can not submit a complaint again. 

I understand that because of the escrow spread of 36 months that my amount per month would be higher, but I am currently paying {$1800.00} a month and that is still wrong. I can not get anyone to answer why this is still incorrect or when/if a real reassessment will take place. This has caused a financial burden on me for over a year and I can not continue to overpay. 

I am attaching the signed copy of the corrected property tax amount from XXXX County, an additional copy of taxes paid to XXXX County at the end of last year from LoanCare which is the correct amount ( so they are aware of what it actually is, they just haven't adjusted anything else ), as well as a screenshot of the incorrect amount the county charged for XXXX that was subsequently corrected.

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