vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I received a notice of property taxes due on XX/XX/XXXX for {$3500.00}. 
I logged into my online account and noted a property tax payment by my mortgage company, Rocket Mortgage, was not scheduled until XXXX of XXXX. 
I called Rocket Mortgage on XX/XX/XXXX to ask about how the payment I was being billed for would get handled. At that time I was told to await a call in XX/XX/XXXX hours. 
I never received a call. In light of the approach due date for the tax payment I continued to call and was advised to await a call from them. On Friday XX/XX/XXXX. I called again and was advised that I would definitely receive a call, today XX/XX/XXXX. Having not received a call by XXXX AM I called once again. 
It was at this time I was told that Rocket Mortgage was not going to make this payment from my escrow and that its responsible for it. 
I explained that my escrow balance was over {$9000.00} and that I didnt understand. 
The XXXX advised once again that I would receive a call by the tax department either yet today or tomorrow, XX/XX/XXXX, a day after the tax is due. 
Non-payment of a legitimate tax obligation from my escrow is absolutely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West again, all they did was steal my money, then just closed my account without warning, or another regard to my banking issues. There so bad that i have pending returns active right now that are going right to there pockets, because they cant be reached by phone at all, they cant be reached by email, and they locked my account so I cant even request a statement or receive and ask for my refunded funds back. I mean who the XXXX dose there bank think they are. Its XXXX and I have no other way to getting a hold of them. they just make up XXXX as they steal my money from me. I hate this bank with every once of hate i have toward a company. They steal your money and there is nothing ANYONE dose to stop it!!!!! So now what, they will respond with a bunch of XXXX, that wont do anything, and they get away with stealing my money again. The owe my XXXX for all the returns that they have keep to them selves. but will i see any of that money ... ... .NEVER!!!

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 2022-02-28 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Ive sent Navy Federal two letters No certified mail and they have not been able to validate the debt they claim I owe there for the debt it shouldve been zeroed it has not been cleared! They sent statements and statements do not validate debt! That credit card bill has already been paid from my social security trust account that was created at birth thats why they cant validate it! Theyve been taking money out of my checking account and putting it towards the credit card bill ILEGALLY WITHOUT MY PERMISSION ALL ILLEGAL ACTIVITIES NEED TO CEASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I had filed a complaint a few months ago about my bank. 
Back in XXXX and XXXX and XXXX of 2021 my bank account was hacked by someone and I had noticed it in XXXX. I had filed many disputes from XXXX till XXXX possibly into XXXX and I had filed a police report about it in XXXX. Due to not having all of my bank statements they had made a report for over XXXX $ which all together XXXX $ was the whole total. The bank had told me that it was not fraud and it was authorized when it wasnt. It was and is fraud. Once I had noticed it I had called right away. Ive gone into the bank in late XXXX all the way into XXXX mid XXXX to file another dispute to try to get my money back that was stolen from me and the women whom I spoke with said she had filed another dispute and when I had called customer service they said there wasnt an open case. Which there should have been. 

XXXX $ was stolen from me out of my savings account into my checking account which was taken from cash app. To 3 people who I have no idea whom they are. ( sherod young, XXXX XXXX and a XXXX psychic. ) Ive contacted a lawyer and the police department about all of this and I still have yet to receive my funds back nor heard from anyone about this on going issue. All I want is it solved and my money back that was stolen from me and my children. Im filing this complain and will be filing with the treasury of banks and with the state attorneys office and the USA department of treasury to see what else I can do to get my funds back. The funds that were stolen I DID NOT AUTHORIZE for cash app. Ive contacted cash app and they have nothing for protection and had told me to contact my bank and get help that way. I had letters from the bank stating that they had looked into it and seen that fraud wasnt a factor and I contacted them again to talk to someone about it and XXXX has contacted me to talk to me about it. Ive been waiting since my last dispute to speak with someone and no one from td bank has reached out. Im a single mother of 3 kids and I work very hard for my money to support my family and for my bank not to help me and get my money back for my children is disgusting to me. Td bank lets people steal money from people and let them get away with it and blame the person whom is fighting to get there funds returned when its not the persons fault. They should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
We filed and were approved for forbearance by our previous mortgage company XXXX XXXX XXXX XXXX XXXX ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with Experian and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after XXXX tells me it'll be fixed. Don't know where else to turn but XXXX is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.

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 2022-02-28 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: I.C. System, Inc.
State: AZ

Complaint narrative:
The company sent people to my home. I returned their equipment as required in the boxes provided. I never received credit for the returned equipment, instead I am in collections for a far greater amount. The original amount was under {$300.00} and that equipment was returned to them, now they have a {$980.00} collection charge on my credit report! 
They have harassed me to no end and because sending people to my house didn't work they decided to go with an obscenely high dollar amount to inflict more aggravation on me.

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 2022-02-28 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: IN

Complaint narrative:
I previously sent a dispute about a fraudulent account on my credit report to Equifax and XXXX XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
This is a complaint on how Homepoint Financial refuses to correct a report to the credit agency, which has dropped my score XXXX points. 

In XXXX I made my regular mortgage payment - {$1400.00} + {$100.00} extra to be applied to principal. 
When I wrote out the check- I wrote the numeric portion correctly, {$1500.00}, but the cursive part I wrote as XXXX XXXX XXXX XXXX and XXXX/XXXX. I was heading out of state the next day for an extended trip and it was just an honest mistake. I even wrote the correct amount of {$1500.00} in the tear off statement sheet I mail with the check. 

Since, as I mentioned above, I have been away from home since mid XXXX, I had not received mail and did not know that I had made this mistake. I called Homepoint to get the correct mailing address so that I could mail my XXXX mortgage payment. This is the first I heard that I was past due. Apparently, Homepoint uses the cursive portion vs the actual numeric number. When I heard this, I immediately had them deduct the " shortage '' from my account. 

I never received any notice from them on this. They said they sent a letter, but as I mentioned above, I have not been home since XXXX. I did not receive any emails, or phone calls from them. 

That's when I found out my credit score dropped so much. I have asked them repeatedly to re-report to credit agencies as this was a simple and honest mistake, not in any way for me not to pay the correct amount. Every representative I speak to says they understand and they can see that there was no intent to short the amount, but their hands are tied. I get absolutely no where with them at all. And when they say they are investigating and even say to me that there are too many calls with me to listen to all of them. This is so important to me and they don't call me back with resolutions, I give them a week to do, and then after that, I call back and go through it again. 

And this is only one issue I have with them. I also have an escrow issue that they had wrong information ( by {$3000.00} over charge ) that they see is wrong, but has taken them months to correct and is still not. It's like there is one person working here and no one has any authority to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
In 2020 we received a court order as part of our divorce that directed my name be removed from any join accounts and that my ex wife. XXXX XXXX would be fully responsible for any charges or transactions on those accounts after the date specified by the courts. We went to the local Bank Of America branch and completed paperwork to remove my name from both the join checking account and the credit card. My name was removed from the checking account but not the credit card. 

I did not learn that they had lost this paperwork until just recently ( over two years later ). I contacted Bank of America. I completed the necessary paperwork and included the documentation from the court ordering all of this. Bank of America refuses to remove my name from the account without approval of my ex-wife despite the court orders. I no longer have any way to contact my ex.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received several documents claiming that a dispute that was filed was settled. I became concerned because I had not filed any disputes with PNC Bank regarding any issues paying my XXXX XXXX Credit Card. I pay this card using PNC Bank bill pay. I am in control of when this bill gets paid, they do not bill the bank for payment. 
I stopped into a local branch at XXXX XXXX XXXX XXXX PA XXXX to speak to a representative about the issue. I asked for a manager that knew the banking system, I was looking for someone that could answer the questions. The lady at the desk boasted that they have a General Manager and two assistant managers, all that know the system well. She asked me what the problem was. I presented her with several papers claiming that a dispute had been filed over several transactions dating back to XXXX of XXXX. As she looked into the issue, she asked if there was another person on the account since the notation indicated that " she '' did not recognize these payments. She asked if XXXX could have filed these complaints. My response was that XXXX, my wife, passed away in XXXX of XXXX so it would be impossible for her to be the one filing the complaint. At that point, she had no other answers other than maybe someone put a wrong account number in. She also stated that she knew I did not want to hear that. The problem is that she refused because I became irritated that she did not answer and was not willing to pursue how this happened. This did not leave me with much confidence that my banking was secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NC

Complaint narrative:
On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.

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 2022-02-28 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: AZ

Complaint narrative:
I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.

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