vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Rushmore Loan Managements Loss Draft reimbursement process has intentionally delayed reimbursements payments for many weeks to months multiple times. The most recent incident is as follows. 

XX/XX/XXXX three paid in full invoices were submitted for reimbursement and I requested a final inspection. 
XX/XX/XXXX a final inspection report of our home confirmed repairs were 100 % complete. 
XX/XX/XXXX I contacted the company to express concern to the failure to reimburse. 
XX/XX/XXXX I followed up as no reply to the above was received. 
XX/XX/XXXX a claim administrator contacted me to say that although the invoices were in their possession for 8 weeks, verbal confirmation of payment in full was needed. One vendor was reached. I contacted the second vendor and asked them to confirm payment in full. That vendor had no voice message to demonstrate an attempt by Rushmore to confirm payment. The vendor confirmed with me that they called and left a message confirming payment in full. 
XX/XX/XXXX I contacted the company again to request reimbursement. 
XX/XX/XXXX a third vendor confirmed payment in full. 
XX/XX/XXXX a partial reimbursement was received. 
XX/XX/XXXX I receive a call saying the final reimbursement will be processed and the process may take two weeks, plus based on previous reimbursements, three weeks to mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
I have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.

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 2020-06-11 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 have many attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX  XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT 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 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX Mariner Finance was sent a Cease and Desist letter pursuant to the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, In that formal legal notice we requested that they cease and desist all telephone communication with us, as well as our family and friends, in relation to any and all alleged debts that they claimed we owed. 

On XX/XX/XXXX, at XXXX a phone call was received from XXXX and did not leave a message. That phone number is registered to Mariner Finance at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. As such, a Letter of Intent was sent to the organization due to their violation of the Fair Debt Collection Practices Act. 

The organization knew or should have known that the actions taken were inappropriate, failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that we were not harmed. 

Within that Letter of Intent, we requested that the alleged accounts that they were trying to collect on now be cancelled and any alleged debts be absolved by Mariner Finance, without penalty or tax burden. Additionally, we also demand the immediate and complete removal of these trade lines from our credit reports ( XXXX, XXXX, and 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 2020-06-11 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:
This is about Cash App company, On Tuesday XX/XX/XXXX, someone hacked into my account and fraudulently stole {$180.00} from my Cash App. Immediately, same day, I notified Cash App Support and they told me they were looking into it. They requested I sent them some information which I did A day after, they came back to me asking for same information. I did send those again. 

2 days later they came back asking for same information I'd already sent to them twice. And they claim they were not able to locate my account. 

When I went online to find a way to resolve this issue, I came across a website called XXXX - and the reviews left by other consumers regarding their experiences with Cash App were totally upsetting ( XXXX XXXX XXXX ). I came into conclusion that this company does not have the interest of consumers at XXXX, and they appear to deliberately support fraudsters using their platform. 

Please can you help? I need them to return the money stole from my account. 

I will be so glad if you can help or point me in the right direction. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: NJ

Complaint narrative:
I have continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX  billed the incorrect insurance although they had the correct one but listed it as secondary. They never tried to collect from the correct carrier, XXXX. XXXX then sent me to collections and every month the agency submitted a negative report to the credit bureau. All XXXX had to do was contact me regarding the correct insurance or bill the other insurance that they had on file. The bill was from XX/XX/18 and it was over XXXX. Once I found out about the negative report, I then contacted XXXX where the office manager would not call me back for a week and after I left several messages. I did ask the front desk for the billing dept 's phone # and spoke to someone in billing who reviewed the bill and admitted that they made the error, so they would remove it from collection. I obtained the phone # to the collection agency and confirmed that the bill was removed, but this does not fix the 17 months of negative reporting. I then left another message for the office manager explaining I needed an immediate call back as I was in the process of filing a complaint. The manager called me back and assured me that she would have this removed from my credit report and send me a letter stating such.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
XX/XX/XXXX The Home Depot Consumer Credit Card Payments Home Depot Credit Services XXXX. XXXX  XXXX XXXX, KY XXXX The Home Depot Consumer Credit Card Overnight Delivery/Express Payments Attn : Consumer Payment Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : Account XXXX XXXX XXXX XXXX ACCOUNT REVIEW REQUEST AND INTEREST REDUCTION REQUEST, REQUEST FOR RECORDS In XXXX of XXXX I purchased an air conditioner for my new townhome for the benefit of my XXXX son. 

I understood that I was on a 24-month, 0 interest plan. I was not informed that interest would accumulate if I had not completely paid off this appliance within the 24-month period. 

I was shocked at the end of the 24-month period XXXX XXXX. XXXX? ) to discover that NONE of my payments were applied to the principal balance and that an additional {$5000.00} was added to my account balance, which took my card dramatically over the credit limit. 

I have applied for forbearance, but my intent is to understand why this information was not disclosed to me. I have called multiple XXXX numbers for XXXX XXXX and gone on-line. There is no historical information available BEYOND SIX MONTHS. 

The account overbalance has now had a negative impact on my credit score. 
I am respectfully requesting : A complete account review including payments and statements dated back to the origin of this account. 
Statements/paperwork and documentation and an explanation about the terms and interest rates charged by Home Depot A wavier of the {$5000.00} of interest ADDED TO MY ACCOUNT WITHOUT NOTICE in XXXX of XXXX A reduction of the interest rate charged on the ACTUAL balance of this account I ask that someone from the credit department contact me ASAP as my Forbearance Period ends on XX/XX/XXXX. 

Thank you for your prompt attention to this issue. 


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 2020-06-11 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: UT

Complaint narrative:
The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My Complaint is against my mortgage servicer XXXX XXXX. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to COVID-19, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting  for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD  and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last 6 weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is trying to collect on behalf of XXXX XXXX  for an unknown debt. PORTFOLIO RECOVERY has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1400.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The bureaus are reporting a Bankruptcy on my credit file that is really old and past the credit reporting limit. Bankruptcy # XXXX. 

This account should no longer be on my credit and request the bureaus to remove 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 non-monetary relief
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been trying to talk to the fraud department for two weeks on hold for over 3 hrs and 40 minutes without any help as I type now I have been on hold for 3 hrs and 17 min and still no help I am occuring fees for late bills and payment DATE TRANSACTION  NAME TOTALED AMOUNT TRANS TYPE CHARGES IN A DAY XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX   XXXX POSTED 1 XX/XX/2020 XXXX XXXX POSTED 4 XX/XX/2020 XXXX  XXXX PENDING XXXX XX/XX/2020 XXXXXXXX XXXX POSTED XXXX XX/XX/2020 XXXX XXXX POSTED 2 XX/XX/2020 XXXX XXXX POSTED 1 XX/XX/2020 XXXX XXXX PENDING XXXX XX/XX/2020 XXXX XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX I XXXX PENDING 3 XX/XX/2020 XXXX XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXXXXXXXXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PENDING 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX  1 XX/XX/2020 XXXX   XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX   XXXX XX/XX/2020 XXXX ALL ACCESS XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX 2 XX/XX/2020 XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX PURCHASE 4 XX/XX/2020 XXXX XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE XXXX XX/XX/2020 XXXX XXXX  XXXX PURCHASE 2 XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX PURCHASE 1 XX/XX/2020 XXXX  XXXX XXXX 1 Total owed to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My card was blocked I called and verified all my information with the bank than my account was unlocked. Five minutes latter my account was locked again after spending up to 8 hours on the phone with the bank and going through several verification processes I was than told that the account was under review and that it could take up to 10 days for me to get a response to it. We are in the middle of a pandemic and I have no way to survive. In addition the bank is not giving me any information as to what is going on with my account and why it is under review. My bank is Citi Bank

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 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
My loan was extended out one month which showed online on my account for XXXX and I had to pay XXXX. I got a new car so they paid the entire balance before XXXX was over to take care of my extended month payment and my XXXX payment and all the rest of payments. 
It was paid before the XXXX of XXXX so It shouldnt have even hit my credit at all. After they marked I was behind two months they then put paid in full on good standings so my score dropped for two late payments. I have proof the check was sent to them from the dealership on XX/XX/XXXX but the car was bought on the XXXX! They refuse to even look at the payment of the check and marked me two months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Their was some fraudulent activity on my Macy 's Amex credit card that started in XXXX. I reached out to them and ordered my transactions from XXXX. The amount from the transactions added to {$850.00} from the form that was sent to me, but my balance was over {$2500.00}. I sent an identity theft dispute letter XX/XX/XXXX along with police & identify theft report, and Macy 's transaction form to all three of the major credit reporting companies and Macy 's responded by saying " We have completed our investigation regarding your claim of unauthorized use on the above referenced account. Based on our review, we have determined that you are responsible for the charges in question ''. I followed up with a Second Written Request on XX/XX/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 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVICE is trying to collect on behalf of 12 XXXX XXXX XXXX XXXX for an unknown debt. AD ASTRA RECOVERY SERVICE has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$2600.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA

Company response to consumer: Closed with explanation