vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is attempting to collect a debt on behalf of XXXX XXXX  from me in the amount of {$4700.00}. I do not owe XXXX XXXX  {$4700.00}. I contacted Hunter Warfield on Wednesday  XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. 
Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. 
The FairDebt CollectionPractices Act ( FDCPA ) prohibits theaddition ofany interest, services fees, collection costsor other expenses incidental to the originaldebtunless it is expressly authorized by the agreement creating thedebt I have expressed to XXXX XXXX  that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX  or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgmentthat XXXX receivedagainst me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, XXXX XXXX, place XXXX. 
Hunter Warfield is in violation of the FDCPA and the FCRA.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I called and spoke with a lady at XXXX Capital One inquiring about a payment plan to get caught and removing of negative reporting for my credit report. The lady I spoke to said they didnt do payment plans they only did something call snowball effect. I said okay sign me up. She then said she would notate my account the different payments that were generated from the computer i would have to pay each much. I have paid the computer generated amounts every month but for some reason XXXX  capital one is still reporting negatively on my credit reports and that is a problem for me since I am doing everything they or rather she suggested I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This company added XXXX extra to my principle. I never was late or missed any payments the full payback on my loan was XXXX on a XXXX loan for 36 months I paid it off a month ago when I called for the payoff amount it was XXXX over the total loan amount. When I asked them why am I paying more than the total amount agreed to they just said its interest and nowhere on any of my statements does it list these extra charges finally after arguing with several different people from there company they finally said it was extra interest charges because the first month of my loan I called and asked if I could change my due date to the XXXX of each month they said no problem I believe they said there would be a small fee of XXXX to switch the days so I said okay. but when I asked about why it was so high they said they explained all of this to me and that they recorded the conversation explaining all the extra charges I told them they were lying that nobody ever explained that to me and that I would like to hear where I agreed to those charges but they refused to let me hear the recording they steal your money and lie about it like there is nothing you can do about it.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
My mortgage was settled and discharged in the XXXX XXXX registry of Deeds. Based on a masslandrecords.com search today a " Corporate Assignment of Mortgage '' was filed on XX/XX/2020 by a company named XXXX XXXX XXXX - Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion had an error in your system in which they deleted a bunch of inquiries from consumer credit reports. Then about a week later TransUnion reinserting those inquiries back on to the reports yet didnt go through the proper procedure to legally do so. Section 611 of the fair credit reporting act states that anything deleted from my credit report and then reinstated needs to be made aware of the consumer. I needed a 5 day notification, which tends to be a letter in the mail ( something I did not receive ), after those items were reinserted. I was a victim of this illegal inquiry issue and have been back and fourth with customer service reporting fraud on my account in an attempt to have it properly resolved. They have done nothing thus far, so I am reporting this to Consumer Financial in hopes to get it properly resolved once and for all.

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
Professional credit management reported on my XXXX report on XX/XX/2019. I was never received a bill about this. I have spoke to this company but they will not me resolved this issue, now this hurting my chance to get a house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hello, I tried to transfer money from my card to my bank account approximately XX/XX/20 but the money was returned to the card. When I called the card to find out why they said the card was restricted and they needed me to send a picture of my drivers license to have the card unrestricted. 

I faxed a copy and they said it was a little blurry and to send another. I faxed in 2 more copies and uploaded a copy on to their website and have been waiting over a week and still have heard nothing. Everytime I call they just say it's pending and don't have any other information.

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the  securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC.

Complaint narrative:
On XX/XX/XXXX I got an email from my bank a statement that I asked after my husband died on XX/XX/XXXX on XXXX and we found 51 transaction ACH on 7 months for a total {>= $1,000,000}. 
After that we called to the Bank to ask what happened with the money they said sign that you didn't recognized all those tracaction and I did and resend 2 pages signed by myself, the bank said take 45 to 90 days to find what happened. My husband and me the last time that went to U.S.A was on XXXX of XXXX and left on XX/XX/XXXX to XXXX. 
On XXXX XX/XX/XXXX we got an email that there isn't an error and the investigation is completed and no error not occurred. now they received the compliant on XX/XX/XXXX and concluding an investigation on 11 days? On that time the account wile they are investigating was blocked, on XXXX XX/XX/XXXX we got an email to call to the bank and unlock the account and we did the balance was {$13000.00}, the strange or a mistake that the bank did was that they accepted 10 transaction of a small amount less than XXXX dollar each one and those trastastion were almost a similar or the same numbers to the high amount, but the bank didn't gave back the small amount, I worked an entire life to have that money and never my husband used a computer to do that, he just write a normal check and cash here in XXXX. We found that those translation you must be on U.S.A to do that. I will attach all the statements, the decision of the bank that was so poor giving just a date the amount and a combination of number and letters but not a receiver. WHO WAS A RECEIVER I ASKED TO THE MANAGER HE SAID I DON'T KNOW. 
I trust that the bureau will be so honest with me. 
Notice that on some transition of {$3000.00} were received by a company called XXXX company????

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 2020-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have not been able to get any answers from Bank of America regarding a loan modification for my home. My last trial payment was XX/XX/2020. Bank of America are liars because the supervisors and managers. I can't get an update and its hard as XXXX to get a live voice. It take 3-4 hours being on the phone just to get a live voice and no supervisors nor managers will keep their word by returning phone calls.

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 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I sent you documents of an alleged debt over 30 days ago of a debt you are saying with a certified letter with a return recipe requesting 8 specific items to prove that I owe the debt you are alleging and I did not get any response from you. Your stamp on the return recipe tell me you have my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This is part of an on-going complain. 

I wire transferred {$410.00} of XX/XX/XXXX to XXXX with the promise the recipient will receive {$400.00}. I paid the initial wire transfer fee of {$40.00}. The bank routed my money to XXXX XXXX  XXXX and that cost me additional {$20.00} which made the recipient received {$380.00}. 
The money received do not meet the required minimum deposit for the transaction which made me lost the transaction. 
I requested a refund from the other end and I got {$310.00}, now the bank is charging me another {$18.00} for receiving the transfer. 
As can be seen, I lost {$130.00} dollars because of the decision of the bank to route my transaction through XXXX XXXX XXXXXXXX and I also lost a business opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Canceled my XXXX account and returned the equipment as required. Was contaced by XXXX and was told my account would automatically renew without my consent, and at any rate that they decide to charge. They claim that I has a contract with them, and if that was true ; that changed the terms without my consent. That doesn't sound like a contact to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I called various banks to see mortgage rates. One of the providers I called was Quicken Loans. 

XXXX XXXX NMLS # XXXX was the person I spoke with. I specifically asked if this would be a HARD credit check and she did not tell me this was a hard credit check. The call was very long and throughout the call I said if this was a soft check as I had done with every other bank that day and NOBODY did a HARD credit check. XXXX NEVER read me a disclosure that this would be a hard credit check. In addition, she kept on asking me for the other rates I got at other banks before she could even tell me their rates. She LIED to me when I asked if this was a hard credit check. She never read me a disclaimer like EVERY OTHER BANK. 

I then found out I got a hard credit check a few days after and was shocked. But thankfully the call was recorded, so I called Quicken loans after speaking with multiple reps the last person I spoke with was XXXX XXXX XXXX. She would not provide the recorded call nor did she say that the agent asked for the authorization. 

I asked for hard credit check to be removed because of the LIEs and was repeatedly brushed off be XXXX and by her colleague XXXX without any real justification. XXXX FAILED and LIED to act as a licensed agent that day, and maybe she does this everyday to all the people she engages with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Incorrect information on my credit report regarding amount owed and status of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
My father passed away in XX/XX/2020. I had been paying the mortgage till XXXX or XXXX when bank accounts were frozen after learning of his passing. Due to covid-19 it took longer then usual to get the surrogate letter done, opening up an estate bank account and so on. During this time ( XXXX 2020 ) we were receiving calls for the mortgage from the mortgage company ( Rushmore Loan Management Services ) and i explained to them every time that he had passed away and we are doing what we can with getting his estate done and once we have everything settled we would be paying the mortgage in full. Of course because i was not my father they did not care one bit what i was saying to them and continued to call harassing me for payment. 
On XX/XX/2020 i faxed ( # supplied by Rushmore ) all needed information ( Surrogate  letter, death certificate ) so that i can be added to the account and discuss the payout with them. XX/XX/2020 I call them again to get an update since i had not heard from them. Person i spoke with ( XXXX ) said there were no notes in the system that i had sent any information and then proceeded to tell me the fax # i sent it to he does not know where that went and supplied me with a new fax #. XX/XX/2020 i call again and speak to another rep ( XXXX  ) and he states again there are no notes that any paperwork has been received. He asked me for the fax # 's i was sending them to and now i am being told the 1st number was correct and that he does not know what the 2nd fax  number given to me went to. 
All i want is a payoff amount so i can pay this mortgage off and close out my dads estate and move on. Having to call this company several times and keep getting the run around is crazy and it is not fair to someone trying to deal with an estate. These people have no compassion or care one bit. 

Rushmore Loan Management Services XXXX www.rushmorelm.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: AL

Complaint narrative:
I have a serious problem with my Equifax Credit Report. My credit account data is wrong ; the amounts have not been updated since XX/XX/2019. As a result, my Equifax credit score is much lower than it should be. 

I have been trying to fix this problem for one year. 

PLEASE do not close this complaint until the problem is fixed. A letter stating that it will be fixed is not sufficient. This time they MUST actually fix it.

Company response to consumer: Closed with explanation