vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 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: MO

Complaint narrative:
Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all XXXX bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.

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 2021-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Rushmore purchased my loan from XXXX XXXX a predatory lending company that was fined millions of dollars for forcing home owners into foreclosure in 2018. XXXX XXXX only had my loan for a few months because they also purchased my loan from XXXX. During the time XXXX had my loan they did not follow the Federal guidelines and denied that XXXX sent imperative documents such as a completed modification and information about my forbearance I had been placed on. I filed complaints against XXXX and XXXX and XXXX responded with all necessary documents to prove that they in fact did transfer the loan with all the documents and like magic they XXXX found it and said they would expedite the info to loss mitigation and that foreclosure proceedings would be placed on hold. with that being said I filed another complaint because I was suppose to be protected by the 60 day transfer, the forbearance and Covid relief, So I began filing complaints with CFPB, FTC, XXXX, Attorney General, I called Governor Bakers office, and found an attorney who was in the process of seeking homeowners to file a class action suit against XXXX and I joined, Between the complaints. class action and XXXX finding out about my sister social media platform which consist over a million followers they sold my loan to Rushmore. I was so relieved until I researched Rushmore and found that they were even worse than XXXX. I called and spoke to a guy in the loss mitigation department and explained that I havens received a welcome packet and he said to wait until after the! XXXX  to give them some time. I was very pleased with the concern and help this gentle men offered and he assured me they would take care of me not to worry, Now it has been over 2 weeks from that date and I haven't received any paperwork, I called with a hud counselor and the rep told me that it was sent 45 days ago, how conflicting to the first person who told me to wait until after the XXXX XXXX the rep then goes on to ask me for a phone number and email and says we need an address for you to because we do not have one,,,, What you just said you sent a welcome packet out 45 days ago you don't even have a listed address. My loan was transferred on the XXXX and its 2 weeks later and I have no information at all. Now she claimed it would be mailed again but a simple email would of been easier. they are already playing games and trying to buy time to foreclose. I will not stand for these scams they play with homeowners in order to foreclose and take peoples property from them. There are guidelines and they need to follow them. This company scares me more than XXXX XXXX. I ; m going to contact the attorney and file complaints until they follow the proper guidelines, I will also seek an attorney, Im not letting theses scam artist steal my property. I want assistance and for my current situation before the transfer be honored like it is suppose to be,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My APR for my Apple Card with Goldman Sachs is presently 21.99 %, by far one of the highest interest rates of any credit card I have. With a good FICO credit score of between 760 - 790 depending on the credit agency, my other interests rates are in the 7.5 % - 16 % range. Further, I pay my bill on time and in full monthly. I consider Goldman Sach 's interest rate to be gouging. On several occasions I have spoken via text with Goldman Sachs customer service to ask that my APR be lowered. They have declined to do so, saying that my rate is based on my credit, even when my credit is good and enough to warrant the lowest interest rate offered on other cards. I feel that Goldman Sachs is taking advantage of their customers with this high rate and my rate should be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I filed a complaint against american express on XX/XX/XXXX in regards to an alleged debt owed to american express as well as a collection agency. Their response was " Because your account remained past due it was charged off on XX/XX/XXXX. An account that is charged off indicates that the debt has been written off as a loss to our company due to serious delinquency on the account and does not affect your responsibility for repayment of the balance due. Additionally, it was placed with outside agencies. When an account is assigned to an outside agency, we are unable to assist with account information as you need to work with the agency handling your account. American Express remains the creditor, the outside agency is collecting the balance on our behalf. On XX/XX/XXXX the account was placed with XXXX, an outside agency. On XX/XX/XXXX the account was assigned to our credit department. '' They advised on XX/XX/XXXX the account was assigned to their credit department. I have been harmed by this action due to the fact the company violated 809 ( a ). Validation of debts. The first correspondence I ever received from them this year was dated XX/XX/XXXX. 

*Please provide proof of delivery for any correspondence you attempt to upload as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: NC

Complaint narrative:
My Name is XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX made hard credit inquiry that was unauthorized.. 



Thank XXXX 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 2021-06-27 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: MO

Complaint narrative:
Since XX/XX/2018 I have been requesting an investigation into specifically 3 accounts XXXX, XXXX and XXXX XXXX and have been unsuccessful. They updated n XXXX just updated the report but provided no documentation or status update. XXXX should not be showing collections or late being that I was successfully enrolled in student loan rehabilitation program which should now be showing paying as agreed and NO LATE PAYMENTS. Also XXXX XXXX shows sooo many decrepancies. The last activity is different with all 3 bureaus which reages the debt. Also the account numbers are different. They furnisher is clearly not following the METRO 2 COMPLIANCE therefore grounds for the bureaus to delete this account. The burden of proof is on the bureaus at this point. Please remove credit acceptance from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Please help. I applied for an apartment and this apartment turned out to be fraudulent I filed a claim with Wells Fargo and I submitted the screenshot they requested and they still three months later close the case and continue to have my account negative over {$1000.00} and have a continued to accumulate {$35.00} overdraft fees for months I have contacted Wells Fargo and asked for this money to be returned and they say that the case is closed and I have to re-open a new case I reopen a new case three months later and submit the screenshot they request it again and I just contacted Wells Fargo today which is XX/XX/2021 and the representative told me that this case has no information linked to it I am tired of Wells Fargo treating me like this I would like my money back I open my account in Minnesota I live in Minnesota I bank in Minnesota I have struggled for months and months and I have lost my job to Covid and Wells Fargo a big of a corporation as it is comes down to damage and hurt consumers that are already vulnerable in this current time please help me get my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX 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 2021-06-27 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I entered into a COVID-19 forbearance agreement with my lender ( Mr. Cooper ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

Mr. Cooper lied to me and this negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a complaint about Wells Fargo losing my paper work back in XXXX while trying to go through a remodification due to Covid it took my Filing a Complaint with the CFPB and calling Wells Fargo 3x week for 3 months to get anyone at Wells Fargo to help. It took till XXXX for someone at Wells Fargo Headquarters to admit someone made a coding error while filing my paper workback in XXXX and no one knew where my info was, now at the end of XXXX I receive my documents in the mail that need to be notarized ( which they have set up a company to come to me ) and sent back but now they expect a payment from me by XX/XX/XXXX. Documents are not even scheduled to be notarized till XX/XX/XXXX. Wells Fargo has made so many mistakes with this process that it is ridiculous. Expecting payment from me within 24hrs of documents being signed is not expectable. I would like help from the CFPB with my rights on this situation.

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 2021-06-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I entered into a COVID-19 forbearance agreement with my lender ( XXXX XXXX ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

XXXX XXXX lied to me and this negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I add a " authorized user '' to my account via my on-line account, it was mailed to my p.o. box ( the only address associated with my account ) I received the card in the mail. I never activated the card. 
On XX/XX/2021 I received txt messages informing me the transactions were made on my card. I didn't not recognize these transactions so I called my credit card company. It was at this time they informed me that someone had called and requested a duplicate card and requested that it be mailed to a physical address not associated with my account. My credit card company fulfilled this request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: GA

Complaint narrative:
Hello I have been working with XXXX XXXX to get a COVID forbearance under the CARES ACT. I was advised that " company policy '' dictates they do forbearance in 90 day increments and to call in at a later date to request an additional extension. I received an offer for coid 19 mortgage forbearance agreement dated XX/XX/2021 stating that my plan will begin on XXXX and will terminate on XXXX. I'm outraged that this company is deliberatly trying to offer me a forbearance in direct conflict with the guidelines set forth in the CARES ACT as well as put my request for an extension outside the XX/XX/2021 window. I sent them my hardship letter on XX/XX/2021 specifically requesting 180 days of forbearance. 

I also had my credit report negatively affected due to company reporting my mortgage as a late payment for XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XXXX, I received a letter from Mr.Cooper stating my flood insurance has lapsed and I must provide flood insurance. I have flood insurance escrowed in my monthly payments and they have paid this insurance every year since they bought my loan from XXXX XXXX XXXX. 
PLEASE REFERENCE : XXXX cfpb complaint from me about Mr.Coopers XXXX XXXX XXXX XXXX behavior towards my situation. You folks helped me rectify that and I am thankful. NOW they are attacking me and not paying my flood insurance, I am sure forced coverage will be put on my loan shortly at an extremely inflated price. All this is because I asked for your help to save my home from foreclosure.On XX/XX/2021 I called the customer help number, the woman, XXXX, said that they had paid the flood insurance dated XX/XX/2021, and she would email me the proof. I told her I was in their website and in the escrow section and no payment s were showing to have been made. she assured me they had been made, I waited on the phone with her making small talk for XXXX minutes waiting for the email, she had to leave the call and assured me it was coming. It never came, no proof of payment.PLEASE help me get thru this, I am looking at a refi but no one will do it until I have made XXXX payments after the forbearance, I have to get thru XX/XX/2021, then I am getting away from these scoundrels!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA

Complaint narrative:
bank moblie XXXX XXXX they saying im giveing them the wrong code to my account. i have called them and my school. and my school and bank mobie is not helping me.

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 2021-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Tri-Cities Finance Company
State: TN

Complaint narrative:
FELL BEHIND ON THE LOAN BUT WORKED WITH THE FINANCE COMPANY. CALLED THEM TO LET THEM LKNOW THAT THE XXXX WAS BLOWN UP BAD MOTOR AND AT THE MECHANIC SHOP TO BE REPAIRED. THE NEXT DAY THE FINANCE COMPANY REPOED THE XXXX AND SENT IT TO AUCTION. THE AUCTION WAS NOT ADVERTISED ANYWHERE EXCEPT A LETTER SENT TO ME COUPLE DAYS BEFORE AUCTION. WENT TO THE AUCTION AT THE FINANCE COMPANY AND THEY HAD NO RECORD OF THE AUCITON. I DEMANDED A REASON FOR THE AUCITON TAKING PLACE AND WAS TOLD THAT THE AUCTION WAS NOT GOING TO TAKE PLACE. THEN A LADY AND A GENTLEMAN CAME OF THE LOAN COMPANY AND SAID THEY WERE HOLDING AN AUCTION. THE GENTLEMAN BID XXXX ON THE XXXX AND SAID THAT THE DEBT WAS PAID. MY MECHANIC AND MY HUSBAND ARE MY WITNESSES THAT WE WERE TREATED UNFAIRLY AND REQUEST TO HAVE THE FILE REMOVED FROM OUR CREDIT AS DEBT SETTLED OR IF WE HAVE TO PAY XXXX WE WANT OUR XXXX BACK. 

WHEN WE FIRST DID THE LOAN WITH TRICITIES FINANCE THE LOCATION WAS IN XXXX XXXX TN AND WE WERE " RUSHED '' AND EXPECTED TO GET THIS VEHICKE ALL THE ONES THAT WERE IN BETTER SHAPE AND LESS MILEAGE WERE NOT SUITABLE. THE CAR LOT THAT WE GOT THE XXXX FROM SOLD THE XXXX TO US KNOWING IT HAD A CYLINDER DOWN AND THAT THE CAR WAS NOT GOING TO MAKE IT A YEAR. THE MECHANIC THAT WAS FIXING THE XXXX EVEN TOLD THE FINANCE COMPANY THAT THE DAMAGE WAS FROM PREVIOUS OWNER AND THAT THE VEHICLE COULD NOT HAVE BEEN SOLD THAT WAY. AFTER SIGNING THE PAPERS FOR THE XXXX THE BUSINESS CLOSED AND WENT TO ANOTHER LOCATION AND WE WERE NOT NOTIFIED. I FEEL THAT WE WERE LIED TO AND THE LOAN WAS A SCAM. 

EVEN WHEN THE XXXX WAS TAKEN BY REPOSSESION IT WAS AT A CHOP SHOP AND WAS DAMAGED WITH DENTS AND SCRATCHES AND THE REAR SEAT WAS STOLEN. 

I FEEL THAT THE LOAN COMPANY SHOULD EITHER TAKE IT OFF OUR CREDIT, SHOW PAID IN FULL OR SETTLED, OR GIVE THE VEHICLE BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Money is for a medical expense that is considered a hardship that kept me from getting health insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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:
Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: FL

Complaint narrative:
Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.

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 2021-06-27 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: LA

Complaint narrative:
A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.

Company response to consumer: Closed with explanation