vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
Our residential property at XXXX XXXX XXXX, XXXX, OH XXXX was purchased on XX/XX/XXXX. The mortgage loan was refinanced with XXXX XXXX  on XX/XX/XXXX and concurrently a Home Equity Line of Credit ( HELOC ) for {$15000.00} was established. Subsequently XXXX sold the mortgage loan to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and the HELOC to Rushmore Loan Management Services ( RLM ). 
The mortgage loan was fully paid off on XX/XX/XXXX and the lien was released by XXXX in XX/XX/XXXX without any complications. 
The HELOC with account number XXXX continued with RLM even though funds have never been borrowed through that facility. 
In XX/XX/XXXX, RLM arbitrarily informed me that the borrowing facility would no longer be available. Their decision to freeze the HELOC was based on some unknown reduction in my credit score. My credit reputation has been and continues to be unblemished and their action was unjustified. Not only did they deprive me of this financing facility but they have continued to deny me the opportunity to obtain similar financing from other institutions. 
In repeated correspondence with RLM they are insisting that I should pay a {$40.00} fee for releasing the lien. This fee is not stipulated in my original agreement with XXXX nor was it assessed when the mortgage loan was paid off to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I closed on my home XX/XX/XXXX. At that time my homeowners insurance was paid in full to XXXX XXXX XXXX XXXX. Co. for the year. So my mortgage payment for the year was {$2200.00}. In XXXX/XXXX I get a letter from Freedom Mortgage that my payment needed to increase to {$2400.00} due to lack of funds in escrow. Which seemed off to me at the time but ... The letter stated these payments needed to start in XXXX. So, I made my payment for XX/XX/XXXX in the amount of {$2500.00} to cover escrow and add a bit to principal. 
Late XXXX I get a letter from XXXX that my homeowners insurance was never paid by Freedom Mortgage Co.??? So of course I call Freedom Mortgage Co. and get a recording saying that my insurance is XXXX XXXX XXXX. Co and my payment is almost triple the price for an exorbitant amount of coverage. Come to find out that someone at Freedom Mortgage Co. applied the wrong insurance company with a wrong amount to an account that was paid up for the entire year! How does that even happen? So, I finally get someone to actually speak with and tell them they have the wrong info and it needs to be paid immediately. The payment to my insurance company was made. Ok so that leaves us with the overpayment of funds. So payments as follows, which should have occurred! 
XXXX XXXX payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} To go towards principal. 
XX/XX/XXXX Payment of {$2500.00} was made, my payment was supposed to be {$2200.00} Which would leave {$230.00} to go towards principal I have made 3 addition phone calls to Freedom mortgage and they can't seem to figure it out. I made them do an escrow evaluation and they came back with {$2200.00} for XXXX. So I paid {$2500.00} for XXXX which leaves {$230.00} going toward principal. Thats a total of {$700.00} Which should have been applied to the principal on my loan? Which also would effect the interest amount applied. I have tried communicating this to Freedom Mortgage Co. and seem to get nowhere!!!! I am awaiting a phone response since XX/XX/XXXX and have not heard one thing! I need this taken care of ASAP. 
Thank you, 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 2021-02-14 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: GA

Complaint narrative:
I am a victim of identity theft. I've contacted Equifax about the theft. I included a theft report, a dispute letter, driver 's license, social security card and power bill. It has been over 30 days and they have not returned a response nor have they removed the items off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Moneylion will not take my notice that they no longer have permission to debit my debit card or bank account. They are refusing even though it is my legal right to rescind this permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: TX

Complaint narrative:
XX/XX/2020 I attempted to dispute a unauthorized inquiry from XXXX through Experian and they never responded. I have a fraud alert on my credit file and my credit file was locked I never applied for anything from XXXX. XXXX stated they didn't have any information and for me to contact Experian. It's been months and I have yet to get this unauthorized inquiry deleted. Experian needs to delete this fraudulent inquiry off my credit file indefinitely.

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 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX  and Theft identity about an unknown debt from XXXX  XXXX, LVNV Funding, under the name of Resurgent Capital Services. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX  and this debt is again on my credit report but under the name of XXXX XXXX XXXX XXXX. I am also getting repeated calls from this company. It appears to me that once the new Company, XXXX XXXX XXXX XXXX, bought out this debt from Resurgent Capital Services, that they are reopening this case. I have letters from Resurgent to both the CFPB and XXXX  stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from Credit Management XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. Credit management purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. Credit management needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MN

Complaint narrative:
I am repeatedly receiving phone calls at XXXX XXXX and XXXXXXXX XXXX from Hunter Warfield , Inc for a debt from XXXX XXXX XXXX XXXX XXXX XXXX for {$6200.00}. The account and debt is not my account or debt, and is the result of identity theft. Hunter Warfield Representatives is steady calling me, annoying and harassing me, using abusive, profane and vulgar language against me and threatening me with violence and death for an and debt thats not my account or debt. I am a victim of identity theft. Hunter Warfield has me in fear of losing my life. They have frightened me with their illegal, unethical and unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: AK

Complaint narrative:
My credit score dropped suddenly. TransUnion reported a XXXX account as delinquent. Their investigation should have confirmed that XXXX never sent me any billing information for the alleged debt, though they had my address, email, and phone numbers. Nor did the debt collector ( who never answers the phone or calls back ) send any information. TransUnion records show that XXXX was never listed as delinquent 30, 60, 90, etc. ( I would have noticed ). Their own records show NO previous payments, despite 16 years of timely payments. A company should not be able to submit a debt to collections having never notified the debtor. A credit union should notice when something comes on the record for the first time as referred to collection!

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 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I had a Visa credit card with First National Bank of Omaha ( FNBO ), XXXX XXXX XXXX, XXXX, Nebraska, XXXX, for ~40 years and never had a late payment. On XX/XX/XXXX, my credit card was closed abruptly and without warning for " long term inactivity. '' I used the card primarily for travel and last used it in XX/XX/XXXX. I did not travel in XXXX due to COVID. I would hardly consider 16 months " long term '' and feel I should have been given warning of their intention. In addition, this is not the way a loyal, long-term customer should have been treated. I called to explain that I planned to resume travel ( and use of the card ) and request my card be reinstated. I spoke to an individual who was rude and dismissive and said the cancellation was " permanent. ''

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 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am not able to open a chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
My account was closed last year can you please explain why that happen.

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 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: IL

Complaint narrative:
I had a debt balance with XXXXXXXX XXXX credit for {$3000.00}. This account was opened on XX/XX/2015. The debt was bought by XXXX XXXX XXXX. The debt was purchased by First Portfolio Ventures I LLC. I received a summons from First Portfolio Ventures I LLC demanding {$3000.00}. I requested a copy of the original contract with my signature from creditor. I never received this requested information. The debt buyer provided me bogus documentation with no dates included of the the signed CEO documents. I have asked the debt buyer to prove that this debt with proof and have not received. I want the debt buyer to prove that they were given legal rights to collect the debt on behalf of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: TX

Complaint narrative:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.

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 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My husband was ill for 10 years and passed away in XXXX. Without my knowledge he had accumulated almost {$50000.00} in credit card debt. As executor and widow I contacted each card company. They all forgave the debt except Wells Fargo. After numerous times of contacting them they offered to send me a copy of all of the activity on the account. When I saw it I realized what had happened. Yes, I opened the account in XXXX in Florida, under my name only. I needed to pay off property taxes in Florida which my husband disagreed with my doing. The balance was paid off by XXXX, I put the card away with a note do not use. My husband had to have gone to the bank to even find out about 6the cared and available credit. They gave him the card without my permission and he ran up {$13000.00} of debt without my knowledge mostly in cash withdrawals. Wells Fargo says I am responsible for this debt since my name is on the card. I have made payments on this card and down to half. I have asked about settling the account. They are not willing to do this. I have contacted the fraud department and have not heard from them. Wells Fargo had no right to make this account available to him. I am a widow, on a fixed income, trying to get my finances in order for moving out of my family home. Do I have no other recourse? Should I just stop paying it, ruin my credit score and then see if they will settle?

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I had a credit card through Victoria Secrets and they closed my account without my knowledge. And I was updated on my payment when they closed the account. I only owed XXXX out of a XXXX balance. And I was not told what or why it was closed. I got this card to help with my credit do to we are going to try to buy a house in XXXX.And I really don't think this should be on my credit I didn't close it .They let me spend money on it one more time then sent me a new platinum card and then I tried to use it and they said the account was closed. I called them to see what the problem was and they said they closed the account. I said why she said they would send me a letter .That I never received so I am disputing this on my credit. I no longer have the card so I don't have the card information the last four digits of my account is XXXX exp date is XX/XX/XXXX and it was closed on XX/XX/XXXX with a balance of XXXX and bought things the week before this. So I just think that it would only be the right thing to do is to take it off my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: MD

Complaint narrative:
Account was charged off several years ago however continue to update as past due. I have disputed. Attached documents shows last delinquency first reported as XX/XX/21 falsely damaging my overall payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I would like to share this complaint as i have tried to resolve things with the Citibank about 15 times over the past 2 months and they have been of zero help. Citi offered a citigold promotion which they are still offering today. The promo was from XX/XX/XXXX to XX/XX/XXXX. Being a new client i opened a citigold account the XXXX of XXXX last year. Per their requirements after 60 days you receive the promo. I met the requirements and did not receive the promo. I currently still have the accounts opened and its been over 100 days at this point. I called in to basically say hey i have all the documents printed out here in front of me where is my promo money? The rep said i will receive it in no more than a week. I call back a week later around XX/XX/XXXX saying hey where is my promo? They said i have to now wait 90 days. I was upset, called back and asked for manager but they said i can not speak to one so i hung up. Called back a week later asking for manager but they said none are present. That rep went ahead and told me this happens often and she will open an inquiry. Once the inquiry is reviewed and if the client being me has met the requirements, it speeds up the process and i will see the promo money within 48hrs after. The inquiry was open. Received a letter in the mail stating the issue has been resolved and i met the requirements. Still no promo money so i called back and they said the rep gave me false info. Called back a week later around XX/XX/XXXX and asked for a manager, again none present. Rep said 90 days and i hung up. Today online i sent a message to the citi chat and asked for an email address to send in my issue. Rep said Citi does not have an email address. I thought that was absurd enough for me to come here to CFPB and make this complaint.

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 2021-02-14 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I completed my bankruptcy and requested my title and asked could this be removed from my credit report since they reported it as dismissed and my case was discharged I spoke with XXXX and he said he would send the title and have this removed they in turn added a XXXX plus loan back on my credit report after my bankruptcy case was discharged which violated the bankruptcy code Im asking this to be removed

Company response to consumer: Closed with explanation