vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan was sold from XXXX XXXX, to the company XXXX XXXX, then sold it to XXXX XXXX XXXX XXXX. It then was assigned to a servicer, Rushmore, and this company refuses to send me a mortgage statement although they are accepting my payment, I've reached out to them, but instructed to call the customer service line, and I've tried this in past dealing with this company.

I truly believe this company, Rushmore is working in concert with the second lien holder on my property. The debit on the second was canceled through Bankruptcy chapter XXXX, but did receive a letter from the second dated XXXX, XXXX intending to foreclose on property as lien holder. Ever since receiving this notice is when the company, Rushmore stopped send the monthly statement. 

Because of this act by the second lien holder, I've been forced to entertain Bankruptcy chapter XXXX to save my home. I'm XXXX, and would never make it on the street. The bankruptcy attorney requested from me a mortgage a payoff, and with that statement I were informed the check payable is to be made out to XXXX XXXX, and I find this odd since it was sold by XXXX XXXX XXXX, XXXX. 

One would guess that since my loan was sold, the second lien holder became first in line, and this is why I got the demand letter, what say you? These companies need to be investigated, and not by me. Please act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: Riverwalk Financial Corporation
State: FL

Complaint narrative:
Hi, I submitted a request from CFPB recently and was told that my dispute was closed due to, it looked like a credit repair company that had put in the complaint. I do not work with any credit repair company, I submitted those docs after doing my research in regards to Identity Theft, and the docs that i submitted came from off the FTC site. I am a victim of Identity Theft, I wrote the credit bureaus in regards to this matter and the disputed accounts were deleted from my file and was re-inserted again. I do not understand how these credit bureaus have so many Data Breach, 1,2, and sometimes even 3 breaches a year and not pay attention to the consumers, after told the fraudulent accounts on their credit file was due to identity theft. They are the ones who are committing the frauds on the consumers, along with collection agencies. I am a Veteran and have a mortgage pending and these fraudulent accounts are making it hard for me to close on a house. its is not fair to the consumers who have to go thru this with these credit bureaus. I did not get any letter from the credit bureaus in regards to re-inserting these fraudulent accounts. I do my research, I served this country for 12 years and have to go thru this with these crooked credit bureaus and collection agencies. they delete it from your credit file, then reinsert it after another and another collection company buys the debt. its unlawful the way this goes on. The collection company Deville Ast Management has fraudulent accounts : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX  acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at Equifax XXXX XXXX XXXX they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This account starting XXXX {$680.00} from XXXX XXXX XXXX has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!

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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My lender XXXX filled bankruptcy and The servicing of my loan was transferd on XX/XX/XXXX to Loancare. On XX/XX/XXXX i made a pymt in the amount of XXXX to loan care for my escrow. Loan Care took my pymt and assured me it was going to be credited to my escrow. It was not!! They broke up that pymt and applied it to principal and interest only. Nothing went to lowering my balance in escrow!!!!!! And my escrow is showing a negative of XXXX still and loancare has encumbered a two yr advanced escrow cushion of XXXX on me, raising my pymt toXXXX more a mo!!!! I have spoken to 5 Loancare agents since XX/XX/XXXX and every wk they assure me my tax pymt will be reversed back to my escrow. It has not!! The Loancare agents are dishonest, misleading and deceptive! As a result Loancare has  imposed a XXXX dollar increase to my loan pymt creating hardship for me and my family!!! Please Help!!!

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 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
As a Macy 's consumer I decided to use the card to purchase a gift, however since I seldom purchase at the store, I usually pay with the Macy 's card for costumer points and pay off the card at the store at the same time since Macy 's allows that option to customers. I provided the lady with my Macy 's CC and also my Debit card to pay the charge on the Macy 's card. The lady said the transaction was complete on both cards  and the receipts were in the bag. ( This transaction was during the holidays and the lady seemed to be overwhelmed with customers and only charged the transaction in the Macy 's card but it did not pay the Macy 's card right away with my debit card, she also did not put the receipts in the bag as said ). During that time I was also in process of moving and contacted Macy 's with my new address location, however the bill was sent to the old address and never received any statements. Usually I like to check my barely used credit cards every couple of months. When I called and saw there was a charge in my account. I explained the situation and paid the bill right away. I explained that I never received any monthly statement when I requested an address change and also explained what happened at the store. If I noticed she didn't charge my card I would have called and paid the card that same day. I honestly thought since I have always been a loyal customer and always paid my bills on time and explaining this was none of my error as I did have the money to pay the insignificant charge amount, that the late charge would be removed from the credit bureau. Since they did not remove the late payment from my credit report, I found it ridiculous and closed the account due to the lack of negligence for not updating my address and throwing the fault at me on the day of the transaction. I have always been a loyal customer and have never paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAD DISPUTED A COLLECTION ACCOUNT XXXX IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX COMPANY ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY XXXX   AND TRANSUNION REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH XXXX AND TRANSUNION, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY  BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE DELETED IMMEDIATELY!

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX  Trans Union XXXX  they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are homeless because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.

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 2019-10-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you Regarding my credit reports at XXXX XXXX XXXX Experience they are all reporting false balances on my credit cards and also fraudulently reporting that my XXXX is closed when it is opened and I want this problem fixed at once. These companies need to update my balances at once and also Adequately report accounts that are open because this false information that they have reported has dropped my score significantly to the point that me and my XXXX son are XXXX because of the issues with my credit score. I have contacted legal aide and with begin legal action because this has caused tremendous problems for me and my XXXX child. Please make these agencies correct this problem at once All credit cards on my credit report needs to be updated with correct balances also my XXXX credit card needs to be reported as open and in excellent standing please make them do this at once.

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 2019-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have sent multiple notices to National Credit Adjusters requesting verification/validation of the debt with no correspondence. The original furnisher was XXXX and purchase by NCA. Also NCA does not have a license to collect a debt in the state of Louisiana, which is state law. National Credit Adjusters is refusing to send me information that I request which is also illegal under the FCRA Act. I will attach all of the notices that has been sent to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OH

Complaint narrative:
I received a call on XX/XX/XXXX from an agency calling themselves the Enhanced Resource Center ( DBA : ERC ) who subsequently identified their address as XXXX XXXX XXXX, XXXX, FL, XXXX regarding a disputed claim with the former XXXX - now XXXX. The disputed claim is over the return of equipment that XXXX failed to collect upon our termination of the service. XXXX wanted us to return the equipment rather than them pick it up. XXXX  could not furnish a contract or any materials stating it was the customer 's responsibility to do so - nevertheless - they turned this contested issue over to ERC. Upon discussion with the ERC representative, they falsely claimed that {$130.00} of the {$170.00} in contention was due to an early termination fee. I asked the representative to give me proof of this early termination because I knew it to be untrue. The representative refused to do so and continued to attempt to strong-arm me into a payment. I asked for proof in writing that I was required to pay this fee and told them on a recorded line that if there was proof that I owed this money and agreed to such terms then I would be happy to pay it. They refused to supply such documentation. After the conclusion of this call I subsequently called XXXX/XXXX who confirmed there was no such early termination fee since we had been customeres from XX/XX/XXXX until recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
This account starting XXXX {$680.00} from commonwealth financial inc has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
AUTO DEALER FRAUD XXXX XXXX, AZ On XX/XX/XXXX, I financed a XXXX XXXX XXXX at XXXX XXXX in XXXX, AZ. 
At no time did the used car salesman, XXXX, tell me the hybrid battery was out of warranty and over the manufacturer 's XXXX recommended life of battery. The car had XXXX miles. Salesman, XXXX told me, this the only car the lender would give me a loan on for 22.99 %. Usuary is 25 %. High pressure sales. My car died.XXXX  stole my {$1600.00} downpayment and added it to the price of the car. The car 's true value was {$6900.00} Dealer charged me {$7900.00}. 
15 months later, XX/XX/XXXX, this car died at XXXX XXXX in XXXX, AZ. The battery costs {$4600.00}. Now, XXXX XXXX has NO VALUE!! 
I traded XXXX in for another car at XXXX XXXX. 
Now, I have to pay for the deadbeat car from XXXX XXXX-THE SCAM CAR. 
XXXX had no business selling that car to me or anyone. 
XXXX needs to reimburse me for my financial losses. {$1600.00} down payment, 15 car payments @ $ XXXX $ XXXX {$5900.00}. 
Read attached.

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 2019-10-19 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
{$16000.00} dollars is what i was told i need to pay before i can pay off my car interest and then i can finally start to pay on my actual loan. There was and issue that started back in XXXX of 2019 that started this whole spiral, since then i have been paying back what i can when i get the money. Every month up until this day ive have been paying something however nothing i pay going to my loan. I have called several times over the past few months and have gotten nowhere with the company ( Sandtander Consumer USA ) and have only spoke with disrespectful agents that had been no help what so ever. Ive contacted the XXXX  and they were useless.

Company response to consumer: Closed with explanation