vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I sent a {$35.00} cash app transfer to the cashapp name $ XXXX expecting that my money was going to place a hold for a puppy they claimed to have been selling. I was then asked for an additional {$15.00} to buy the dog food and supplies which I then knew was a scam. I requested a refund from both cash app and the seller. I was blocked from sms and cash app from the seller. when I reached out to cash app they were of no assist and did nothing to help me recover my funds. cash app is known to be the highest place of people getting scammed because if someone is scammed cash app is of no help to replace the funds to the person who was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Dear Consumer Affairs representative, On XX/XX/XXXX, my mortgage was sold to a new creditor, XXXX XXXX XXXX- XXXX XXXX XXXX XXXX . Rushmore loan management services LLC was identified as the new servicer of my loan, including collection of my mortgage payment. 
In XX/XX/XXXX, I sent my mortgage payment in the form of a cashier 's check via certified mail to Rushmore. Upon its receipt, it is to be signed for by Rushmore and I, the sender, receives a return receipt. There is also a tracking number ( # XXXX ) on the postage, where I can track the mail to the location. The mail got there XX/XX/XXXX, but they did not pick up the mail until XX/XX/XXXX. The receiver was XXXX XXXX. On XX/XX/XXXX, I received a notice in the mail that my payment was not received. The date of the notice was XX/XX/XXXX. 
On XXXX XXXX, I placed a call to the servicer explaining to them that the mail was there for pick up on XX/XX/XXXX and that XXXX XXXX signed for the mail on XX/XX/XXXX. I was told that they put the payment in the system on XX/XX/XXXX, hence they deemed it late. 
For the XXXX mortgage, I changed my method of payment and sent it through XXXX XXXX as they identified this as an method of payment they accept. I called the following day and spoke to the representative XXXX to make sure they received the payment. I was told he did not see a payment made to the account and if it was sent in, they will enter it in their system later. On the statement due XX/XX/XXXX, I was charged a late fee again and was even reported to the credit bureau. 
I am deeply distressed with the blatant disregard Rushmore has for its consumers. I need them to clear my name with the credit bureau and bring my account to current. Further, I no longer wish to do business with them, as their business practices appear to be unscrupulous and not consumer oriented. 
As a XXXX XXXX, I have lost substantial sleep over the last 60 days. Daily, I am putting my life on the line to instill hope in every XXXX  I come in contact with and to put a smile on their faces whenever possible. I have XXXX, family members, and children that are depending on me. The last thing I should have to worry about is a mortgage servicer that is cheating the American Consumer out of their homes. As an essential part of the workforce, it deeply saddens me that this company takes advantage of its consumers in this way to line their pockets. It is a shame and they should not be in business. 
I anxiously await and anticipate your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
The Alliant credit card supposes to make a 2.5 % cashback on all purchases made before XX/XX/2020. Alliant Credit Union changed the policy to limited cashback to {$10000.00} per statement period starting on XX/XX/2020 on a letter dated XX/XX/2020. 

On XX/XX/2020, I make a charge of {$9900.00} on my credit card. They posted my transaction on XX/XX/2020. So Alliant didn't give 2.5 % cashback for all my charges from XX/XX/2020 to XX/XX/2020, as my purchase for the period is over {$10000.00}. Alliant included a charge I made on XX/XX/2020, of {$9900.00}. But this charges should be excluded from the limit as it was purchase before XX/XX/2020. 

They state that the transaction made on Thursday  normally take couple of days to post, but when I look through my transaction, there are transaction made on Thursday that posted the same day or the next day. 

I called Alliant Credit Union regarding this and they were not able to give me the cashback on my XX/XX/2020 transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
On XXXX of 2019 I was kidnapped out of my home in XXXX Virginia. A former landlord, who was told by three police officers and a judge that she can not evict someone from the home and who had violated landlord tenant law. Went to the magistrate, and swore out false allegations to get an emergency XXXX XXXX  order. I was dragged out of my house in XXXX and taken to XXXX XXXX XXXX XXXX, who immediatly released me, didn't look at me, provided no services, at that point I was escorted by the police to the XXXX XXXX who determined that the landlord, swore in a false complaint to complete an illegal conviction. I was not notified that they attempt to bill me for not being seen until it appeared on my credit report. I attempted to contact XXXX XXXX XXXX who threatened me. Told me " that they were a loud person '' and could get louder. They verbally abused me, and then hung up on me. They are trying to bill me for an illegal kidnapping, and medical care that I did not seek out or need. They are stalking me for a bill I don't owe during a global pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
NewRez mortgage offered me only one type of forbearance. They offered to put my loan in forbearance for three months but after the 90 days I would have to mail them a payment for all three months.

Im not sure what kind of forbearance or help this offers. If I do not have the money for three months how will I be able to pay three mortgage payments all due in 90 days.

So if my mortgage is {$1500.00} a month at the end of 90 days they want me to mail in a check for {$4500.00}. 
This is crazy Not sure why they are only offering this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted 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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted 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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have a car loan with XXXX XXXX i just made a payment of XXXX XX/XX/2020 when transunion updated today XX/XX/XXXX it shows an increased balance of {$350.00} bringing the loan balance up to XXXX dropping my credit score 12 points. I contacted XXXX XXXX  they agree that the correct balance should be XXXX and they never reported an increase. I have proof of all this. A payoff statement with the correct price and a saved conversation with XXXX XXXX. This is not the first time transunion has reported false information and blamed the creditor. Im getting sick of this and i am ready to take legal action against them if they have no plans to fix my score and correct the information they reported. This time i have the proof that transunion is XXXX  people by reporting false information. If this can not be resolved i will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls is attempting to collect a debt on my credit that I do not owe. This debt is past the statute of limitations in Utah. I do not owe this debt. Also, it is so old that it is past the credit reporting limit per the FCRA. I am requesting that this account be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Today I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Lane Bryant account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a XXXX  balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a XXXX   balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I was not able to obtain a mortgage loan because when the bank lender dug up my credit report at Equifax, they found that under my SSN and credit report I already had a mortgage loan, which was odd to me because I had never taken out any mortgage loans. I later found out that Equifax had mixed my accounts with my brother 's accounts, because that the mortgage loan was his. We have very similar names and very similar social security numbers, off by one consecutive number. 

I called Equifax on XX/XX/XXXX and wanted to dispute these accounts because of CLEAR ERROR. After being put on hold for an hour, the representative told me to mail a cover letter to include my name, address, email, phone #, reason for mailing, Driver 's License, W-2 in lieu of my social security card, and proof of my brother 's accounts that I wanted to dispute to the Equifax Dispute Department at XXXX XXXX XXXX, XXXX, Georgia, XXXX. 

I mailed my dispute to Equifax on XX/XX/XXXX to the address they provided me, and still haven't heard any response. As of XX/XX/XXXX, Equifax still hasn't taken any action on my case. 

On XX/XX/XXXX, I managed to obtain a complete copy of the credit report from Equifax under my SSN, and behold, my report had my brother 's name, birth date, and numerous accounts that were his, including the mortgage loan mentioned above. UNBELIEVABLE. 

I called Equifax on XX/XX/XXXX and was put on hold for 40 minutes, and another representative told me to mail the same things to the same address to dispute my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
To Whom It May Concerns : I am filing complaint against XXXX XXXX XXXX. The reasons are the following : 1. I don't recognized the account or amounts.

2. They are claiming its a joint account with my and XXXX XXXX. I do know that person.

3. They can not provide me any personal documentation such as my DL.

4. They are not claiming that I am 60 days late, when they said the file was open in 2015, none of their information is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form 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 explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form 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 explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
In early XXXX XXXX XXXX called me in hopes of recruiting me into their company. I spoke to XXXX for 2 hours and he asked me about the reason I attended a business seminar called XXXX XXXX which is how he got my number. XXXX explained to me that this mentorship offered by XXXX today would help me elevate my business and told me that I was purchasing a business mentorship. They initially changed me for {$19.00} as an initiation fee. On XX/XX/XXXX was the day i had my first meeting with my mentor XXXX. After talking with XXXX, I realized that this was not a business mentorship as promised, however is was a class based on the law of attraction On XX/XX/XXXX I called to talk to XXXX cancel because this was a bait and switch. I called to have the mentorship cancelled. I spoke to a customer service representative and explained to them that I was promised a business mentorship, however I received a laws of attraction class. They opened an investigation and promised to get back to me.I continued to follow up weekly with various representatives with no conclusion. Finally, I spoke to a representative, XXXX about 3 weeks later and he confirmed that I was in fact misled by my sales rep, however they said it was too late for me to cancel. As an alternative they offered to reassign me to someone else. I explained to them that I felt scammed and would not like to continue with the program and would just like my money back or to simply have them cancel the mentorship and future billing. They refused and say I am out of the 3 day cancellation window. I believe this is never unfair because I didn't even have my first session within those 3 days to know whether I wanted to continue the program or not. 

The Class was for 1 year {$4400.00} which I could not afford the one time payment so they offered me a payment plan. I accepted and am now paying {$160.00} for the next 36 months totaling {$5800.00} On XX/XX/XXXX I received a phone call from Monterey Financial Services saying that if I do not make a payment there will be a negative credit report reflecting on my credit record. I have tried to call them numerous times today on XX/XX/XXXX to try to dispute the billing but was fortunate enough to get a hold of someone. What " XXXX XXXX '' is doing is fraud and I would like help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
sent a payment of {$50.00} to Request to XXXX  XXXX on monday XX/XX/2020 this payment was for cell phone unlocking services. the stated time was 40 minutes unlocking time. at the end of the stated time, the phone was not unlocked. receivd a text message from this guy and he requested {$75.00} dollars more to complete. i told him no. the next day is when i requested a refund from him. he does not answer text messages or the refund request from the app. 

this action by the cashapp user is fraud and the company should reverse this transaction immediately. they should not be able to perpetuate this fraud. i have text messages from the individual in question i can submit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my debit card and requested a new one I received one in the mail and their automated system wont activate it I dont understand I called them to notify them they refuse to help me first time Telling me to go to the bank when their closed and the pandemic covid 19 how can they do this to me when all Im requesting is my card to be activated unbelievable

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