vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
In XXXX of 2019 I refinanced my home with LoanDepot. They transferred my load to Rushmore Load Management Services Inc. After doing so LoanDepot withdrew the XXXX Payment from my bank. XXXX said they sent this payment to Rushmore. Now Rushmore says they have no record of payment. I am being charged a late payment every month that I do not owe as well as the missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint is the servicer of my mortgage. Per the terms of my mortgage, the property taxes are escrowed for payment by Shellpoint. Today I went to my County website and saw that my tax bill that was due on XX/XX/XXXX has not been paid. To compound my frustration, I am accruing late fees as a result of the non-payment from Shellpoint. This is particularly frustrating because I am in the process of refinancing this week, and I have been told by the new lender that I must bring a check for the past due taxes to closing, and I do not have the funds available in my personal account to do so. Their customer service agents have been no help, and will only say that they will " look in to it '' with no indication on how long it will take to resolve. Due to Shellpoints error, I will now miss the refinance rate that I was quoted and will not be able to refinance this week, that would have allowed me to take advantage of an improved rate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
I reached out by mail and they passed the 30 deadline to reply and they didn't provide any proof of the debt per my first letter. I emailed them and heard nothing back. So I'm reaching out to you to see what can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: IL

Complaint narrative:
Equifax continue to report a fraudulent account on my credit report. I have tried numerous times to get them to comply with the FCRA block section but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THE BANKRUPTCY COURT IS REPORTING ON MY CREDIT ACCOUNT AND I HAVE PROOF THAT THE BANKRUPTCY COURT DO NOT REPORT TO ANY CREDIT BUREAUS, AND THEY ARE SHOWING 10 BANKRUPTCY

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 2019-09-03 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: GA

Complaint narrative:
I tried to dispute some incorrect information on my Equifax credit report via certified mail with receipt ( signature ), but Equifax did not comply. Instead, Equifax sent me a letter stating that they were unable to locate my credit file even though I provided my name, SSN, address, and account numbers. So, I called Equifax by phone and they successfully verified me through a series of questions and they were also able to locate my credit file. I asked the representative why did they return a letter saying my credit file could not be found.The representative told me that someone in the mail room could not locate my credit file. I was so shocked! I didn't know that the Equifax compliant department operates in the mail room, must be a joke! All the letters will be attached. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
I owed a debt to XXXX XXXX XXXX who turned the unpaid debt of XXXX to a collection service United Revenue Corporation ( XXXX ) XXXX. I set up a auto draft of XXXX monthly to draft for 6 months and pay in full, no settlement. The auto draft was paid for 4 months bringing the balance down to XXXX. I was unexpectedly hospitalized and off work this week and could not afford the auto draft. I called the company and spoke to a rep named XXXX. I informed her I wanted to cancel the auto draft and make smaller payments monthly in an amount I could afford, depending on when I go back to work. She told me that if I cancel the auto draft, my account would be reported to the credit bureau. She put me on hold for a while and came back to say that she had notified the cashier 's office to cancel my auto draft and I was now subject to being reported. I asked how to make monthly payments in the future to pay my balance in full and was given the info to call in and make monthly payments because they would no longer accept a check from my bank, only credit cards. I informed her that I would notify my bank not to accept any further drafts from her company and report her to this office for threatening me with harm to my credit report. At that point she became rude and I discontinued the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX comenity bank for XXXX XXXX said I owe XXXX which this is fraudulent. I didnt open an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was on my bank account and I saw a transfer for {$7400.00}. I immediately called the fraud department and filed a claim with XXXX. He froze are account that night. The next day I went on my account and noticed they paid it. I immediately called them again and talked to XXXX. He told me it was pending so they paid it. A gentleman from the fraud department called me about three days later and asked me information about are internet provider. I told him we have unwired broadband for are home and XXXX for are phones. He told me that the transfer wasn't from are XXXX and they were investigating more. So three weeks went on and we heard nothing from Bank of America. So we went to the bank and talked to XXXX XXXX on XX/XX/2019. We sat down with him and closed out that account and opened a new one. While we were going through all the information, he read back are phone numbers and there was a phone number on there that didn't belong to us. I believe it was a XXXX area code. XXXX proceeded to remove that number and called the fraud department. He told us are money would be back in are account the next day. So we left it at that. We have been to the bank numerous times and don't seem to get any help. Three weeks ago my husband went to the bank again and spoke to XXXX XXXX again and they put him on the phone with fraud department. They proceeded to tell my husband the declined are complaint and said it was are IP address. They said they tried calling us at the XXXX number. I have been a customer of Bank of America for 29 years. I have had the same number for 17 years. XXXX XXXX said he removed that number because it wasn't ours. They also told us they would call us back. We haven't received a phone call, email or mail from them. I sent a email to XXXX XXXX. The lead investigator for fraud and she will not respond to us. I tried calling she is always busy and wont return our phone calls. We are starting to think this is an inside job. We can't get no where. We want are money back. We told them we want proof of there findings and want to appeal there decision. A friend of ours told us to us to contact you guys were hoping it helps. If not we are ready to hire a lawyer. We did not make the transfer and if they would investigate they would see we didn't do it and that number has no association with us. We just want some answers. Also we have a filed a case with XXXX XXXX XXXX department.

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 2019-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
For several years I have been paying 53 Bank an additional amount of money XXXX {$200.00} or more ) over the interest amount on my home equity loan. Since XX/XX/2019 I have been paying an extra {$400.00} in addition to the interest payment on my XXXX Bank home equity principal. The interest rate has been XXXX percentage since XX/XX/2019. Although I am paying on the principal, the interest on this loan does not appear to be going down. I called 53 Bank today, XX/XX/2019, to inquiry why the interest being charged on the home equity loan is not going down, but keep increasing. XXXX Bank response was that the interest amount they are charging me is based on a certain amount that they charge per day. The amount that they are charging me for interest does not appear to be based on my principal balance, which should make the interest lower and more money going toward my principal. I feel that 53 Bank maybe charging me more interest than they should on this loan. They have probably been doing this for a long time, because I used to complaint to them about the same thing with my home mortgage which I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I dispute this account directly to the credit bureaus. I never receive any documents or validation for the collection agency. The first reported on XXXX2019 with the amount of {$5300.00}. XXXX and XXXX they already deleted because no validation. Still waiting for XXXX decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/XXXX kohls charge card not mine says owe XXXX. I didnt open this I disputed this and then it was charged off but still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: PNC Bank N.A.
State: VA

Complaint narrative:
PNC Bank charged extra interest ( {$1.00} ) for multiple months ( XX/XX/2019, XX/XX/2019, and XX/XX/2019 ) after I paid off a cash advance balance ( from XX/XX/2019 ). This issue was not resolved until I called the company after three additional interest charges were collected on a XXXX balance due to minimum interest charges. While the company ultimately refunded two of the months this issue would have continued due to PNC 's lack of a controls and monitoring over recurring " minimum '' charges. I only caught the charges since they were incurred on the last day of the month, but if they had been mixed in with lower charges during the period I may not have noticed and this would have resulted in additional charges. The company did not offer compensation or a sufficient explanation why the charges were not stopped at the time the balance was paid and I am concerned that PNC Bank does not have proper monitoring to catch issues like this going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mark A. Kirkorsky, PC
State: NV

Complaint narrative:
I've been paying being garnished out of my check for co-signing for a car for somebody else I have been paying ever since 2015 they keep switching lawyers and the price in the attorney fees keep going back up keeping me at a balance of {$9000.00} which never goes down but they're not recording all my payments since 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: The CBE Group, Inc.
State: UT

Complaint narrative:
I have multiple CBE Groups double reporting on my XXXX XXXX. It does not provide account numbers but I know I only had 2 and it is reporting 4 collections with supposedly different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My card was compromised and I followed protocol to report card info stolen. Had 2 XXXX transactions and a XXXX charge that were not mine. I filed a police report and reported to PNC. They did a 3 day investigation and charged the credit back to my account. They need a thorough investigation not just a glance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
BANKRUPTCY IS SHOWING UP ON MY CREDIT FILE BUT BANKRUPTCY DO NOT REPORT TO ANY CREDIT BUREAU EVER

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into Capital one and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
My loan is with Mr. Cooper, here is my email to them. 
I originally called XX/XX/XXXX to find out how you are calculating the rate as it appears you are overcharging me by .125 for the past several months. I was told that I would have an answer to my question in 7-10 business days. But prior to even getting the reason why I called out you needed to email me about auto pay. NOT NEEDED OR WARRANTED AT THAT TIME. I waited patiently till the 10th day and nothing. So I called XX/XX/XXXX, received XXXX this time and she said she would have an answer by Friday XX/XX/XXXX. Well she is no longer in the office so she didn't do her job of returning the phone call. I have a due date for my mortgage payment. The second I'm late you charge a fee, but first I receive incessant daily phone calls, which I get extra since I have two mortgages with you, till I make my payment. Where's your accountability? You're Mr. Cooper and you think you can just walk all over your clients? Don't have to respond but you can hound me for my money? I want to switch servicers as you don't seem to know how to figure my rate, where's my option for that? A costly refi that doesn't guarantee that I won't end back up here.. 
I need help getting an answer. If they are charging me an extra .125 then who else are they doing this too. Please look into Mr. Cooper and how they are calculating rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, Ad Astra Recovery Services ( on behalf of XXXX XXXX ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with XXXX XXXX in XX/XX/XXXX, and subsequently worked out a payment plan with XXXX XXXX and Ad Astra in XX/XX/XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( Ad Astra claimed to have sent letters but I have received no such letters from Ad Astra ). 

A year later, Ad Astra charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted XXXX XXXX on XX/XX/XXXX, and was told that they had placed the account with Ad Astra and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at Ad Astra, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, XXXX XXXX and Ad Astra essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that Ad Astra did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: DC

Complaint narrative:
In XX/XX/XXXX my husband and I purchased new windows from XXXX XXXX. The sales representative for this window company offered us interest-free financing for 18-months through them. We agreed that this was a good deal, made a down-payment and signed up for the financing. 

There were production delays and the windows were installed in XX/XX/XXXX. A few weeks later Greensky called us to say our account was about to be past due. We explained that we hadn't received a statement. Immediately made a payment over the phone and signed up for automatic payments. We called XXXX XXXX to report that we were about to be charged a late fee even though we didn't have a bill. At the time that we made the payment I confirmed with the Greensky representative that we had 0 % interest on our loan until XXXX. I asked what the balance was, divided that by the number of payments between that date and XX/XX/XXXX and set up automatic payments in that amount so that we could get the maximum benefit from the promotion. 

In XX/XX/XXXX I saw a statement for our loan from Greensky indicating we had paid {$52.00} in interest this month and {$200.00} since the loan originated. It listed an APR of 24.99 % while also saying in bold that we have a promotion until XX/XX/XXXX. I called Greensky on XX/XX/XXXX and a representative explained that to this company " promotional rate of 0 % '' means that we will pay interest for 18-months and then the interest will be refunded to us at the end of the promotional period if we have paid our loan in full before then. 

This is obviously not what 0 % interest means. No-interest does not mean that a company will charge you, invest your money, and then return you that money minus any profit they made off it. This is an unethical and irresponsible business practice. 

I appreciate your efforts to look into this and to stop irresponsible lending by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
XXXX XXXX XXXX SAID THAT I OWE THEM XXXX DOLLARS FOR RENT THAT IS NO WAY POSSIBLE THEY STOP TAKING MY PAYMENTS AND WOULD NOT TAKE THE LADY THAT I DEALT WITH I DONT REMEBER HER NAME, BUT THEY DID ME WRONG, AND THIS IS NOT THE RIGHT PRICE AND NBEED TO BE DELETED IMMEDIATELY BECAUSE THEY WOULD have BEEN DONE PUT ME OUT WAY BEFORE THIS BECAME THIS AMOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Making a false statement about the account having a judgement against it when in fact there has been no court case.

Company response to consumer: Closed with explanation