vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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:
U S DEPT OF EDXXXX continues to update CRAs with information not on MPN and doesn't reflect school dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: NC

Complaint narrative:
U S DEPT OF EDXXXX continues to update CRAs with information not on MPN and doesn't reflect school dates.

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 2020-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I have an home mortgage with you Freedom Mortgage. They sent my escrow to the wrong parcel id for 2 years now. I now have a property lien threatening me as the negative balance is - $ XXXX. They have admitted their error, yet continue to give me the run around about why they have not dispersed a check to my county treasurer ( XXXX XXXX indiana ) to catch me up. I have 2 major loans ( 1 being a refi with a different mortgage co ) that had been held up by this and both have fallen through. I have tried and tried and called and called. Im tired of it. My next move is legal recourse to get me the help i need. It has caused major stress on my family ( 1 being my XXXX XXXX XXXXXXXX   wife ) and i as well as caused ( like i said ) 2 loans to collapse. Now they have claimed to have sent out a check to the treasurer on XX/XX/XXXX to cover the mistake. Its XX/XX/XXXX and XXXX XXXX has no record of a check. To make matters worse, freedom mtg took the money to pay for the mistake FROM MY CURRENT ESCROW! Now, my escrow is showing negative $ XXXX and they are asking new mortgage company to add this to the buyout. And it gets even worse. They want {$250.00} from me bc theres not enough cushion in my escrow they stole from. I have filed cases with the Indiana and NJ ATTORNEY GENERAL as well as the XXXX OF NJ. My wife and I want whats right and whats fair. I am extremely concerned for her and my XXXX  child as this stress of dealing with Freedom Mortgage is. Ever ending. Please help.

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 2020-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America again I have been having problems with Bank of America saying they don't receive my payments in time. I always send them Certified and track when they arrive. The last two months they said they didn't receive my equity payments. Although they cashed the checks for both months. Before that In XXXX they said they didn't receive my Mortgage check they also cashed that and didn't apply it to my accounts. 

This Morning I received a email saying they have not received my XXXX Payments. I sent both payments in a envelope and included the account numbers on both checks. 
I sent this as always certified # XXXX the envelope was received on XX/XX/XXXX XXXX at XXXX XXXX. 
This bank has been playing these games for years. Someone needs to regulate what they are doing. If I didn't send it Certified they would say they never received the payments. 
I was all late charges send back or accredited to my accounts including the two months I paid the Equity loan and they said they didn't receive 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 monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
this is the 2nd or 3rd time this " agency '' has sent a letter saying we owed money and they will settle it for less. 
We, however, were never behind in any payment to this office. I confirmed this fact each time I received a letter from this collection agency. I believe them to be a complete fraud trying to get money out of people who may not be aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2020 I disputed with a third party Lexis Nexis on a Bankruptcy that they claim was verified through their office. I sent them a letter asking to have the bankruptcy information verified. I received a letter from Lexis Nexis stating that Bankruptcy record # XXXX was verified through another third party name XXXX. 

I have a letter from the Eastern District Court Clerks office that they " the court '' does not report, validate or confirm bankruptcy case filings to credit bureaus. But yet Lexis Nexis states that they were able to validate with XXXX another third party and not the actual court who would be the original creditor. Furthermore you have failed to provide the method of verification as requires under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " Promptly DELETE all information which can not be verified. '' I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

As a large company Lexis Nexis has been allowed to bully the consumer with falsely selling information to companies like XXXX and XXXX   and they have partnered up with XXXX. Consumers rely on credit to purchase homes and to obtain anything that they may need for daily living and companies rip consumers apart with their lies. 


Your attention to this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Re : Ford XXXX XXXX XXXX I renewed my XXXX Lease ( traded in XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with Ford and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that Ford would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that Ford handled this situation with any sort of professional due diligence. Had I received a  phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ( 14 minutes ago ) to me I have a mortgage modification with Rushmore Management Services in Puerto Rico . This property is located in a Horizontal Property, therefore, I am unable to contract the hazard insurance because the XXXX XXXX XXXX made a hazard insurance contract until XX/XX/XXXX. 

For some reason that I do not understand, Rushmore decided to add a hazard insurance policy every year on XX/XX/XXXX. They sent me an Annual Escrow Account Statement dated XX/XX/XXXX where they informed an increase on the hazard insurance effective XX/XX/XXXX ( see attached document ). They do know the current policy is effective until XX/XX/XXXX, and that the XXXX XXXX XXXX is the ONLY entity entitle to negotiate the hazard insurance because the property is covered by the Horizontal Property Law. 
I had the same situation last year ( XXXX ), which resulted in the devolution of the monthly payment ( {$520.00} ) for the month of XX/XX/XXXX and a late charge of {$24.00}. Then, Rushmore had to accept the mortgage monthly payment ( {$520.00} ) and took them SEVERAL months to eliminate the late charge. 

After calling Rushmore many times and spoke with many customer service representatives of the XXXX, TX, XXXX, CA, XXXX, CA, and XXXX XXXX, PR offices, I wrote 3 emails dated Wednesday, XX/XX/XXXX, Wednesday, XX/XX/XXXX, and Monday, XX/XX/XXXX to AVOID the mortgage monthly payment DEVOLUTION and INCORRECT LATE CHARGES which might result in affecting my credit score. 
Since NONE of the emails have been answered, I have been pushed to appeal to you. 

My actual mortgage monthly payment is {$540.00} due to an increase in the hazard insurance policy for the month of XX/XX/XXXX ( refer to attached statement ). As you may observe, in the XX/XX/XXXX monthly mortgage statement ( see attachement ) there is an INCORRECT increase in the escrow account due to the hazard insurance that is NOT effective until XX/XX/XXXX. 

I have tried to solve this situation through Rushmore 's Customer Service Department and written emails with NO RESULT ; therefore, I have to appeal to you. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I had an account with XXXX, at the end of the term, I already returned their modem and provided them with the XXXX tracking number, and they acknowledged that the shipment has arrived at XXXX, but they misplaced the modem in the warehouse and can not locate it. However, they kept sending me AmSher for debt collection. 
[ see attachment for proof my shipment, and name of customer service rep who acknowledged they received the shipment ) I called AmSher ( XXXX XXXX XXXX XXXX, AL XXXX ) and they failed to remove the collection. 

This is fraud from XXXX on a massive scale to defraud hundred of thousands of unsuspecting customers who have a modem/router that they lent them to use while being a customer. 

Please take decisive action and fine XXXX before they hurt more former customers like me. 

Thanks so much XXXX XXXX XXXX XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with Navy Federal Credit Union. Unfortunately, the problem remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the XXXX, Transunion and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.

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 2020-06-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, Transunion and Equifax. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, XXXX and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Genesys National Recovery, Inc.
State: PR

Complaint narrative:
The debt collector contacted me by phone, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and didnt identified the debt. On the last message whom ever called used bad XXXX words and this is unacceptable. Previous calls were in XXXX, XXXX and XXXX to the extent they contacted my girlfriend which had nothing to do with it and provided her information regarding the debt collection and also threaten with legal actions. 

On XX/XX/XXXX XXXX XXXX Account Consultant from Genesys National Recovery , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX City, TX XXXX Direct Phone : ( XXXX ) XXXX Office Phone : ( XXXX ) XXXX sent an email stating I owed {$590.00} from XXXX XXXX in XXXX, XXXX. 

When I had previously already stated in XXXX that based on XXXX reasons I could no longer attend and based on the XX/XX/XXXX XXXX XXXX situation it was a health risk to attend. 

The Government of XXXX XXXX since XX/XX/XXXX has all these facilities closed additionally there is a class action law suit against XXXX contracts In XX/XX/XXXX I came to an agreement to satisfy such debt so they stoped harassing with taking me to Jail, law suits, garnishments and legal actions. 

Since XX/XX/XXXX Ive been emailing the collection company to stop harassment and disputing the debt. They have not answered as well they did not answer a previous complaint for similar reasons with this same Consumer Finance Agency. 

They have not responded to my dispute email and I have sent them over 4 disputes to the same emails they have previously written to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Trying to connect XXXX to PNC, but PNC has made changes that cause it to be impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
THIS ACCOUNT IS A RESUL OF IDENTITY THEFT I HAVE COMPLETED A FTC AND HAVE SENT IT TO THE COMPANY AND ALSO TO THE CEDIT BUREAU CREDITOR IS ( MACYS DATE OPENED XXXX BALANCE XXXX ACCT # XXXX. I

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 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CashMax LLC
State: TX

Complaint narrative:
I submitted a REVOKE ACH request for my bank account and debit card in XX/XX/XXXX, the payday loan company confirmed receipt and said I would need to make other arrangements to pay the loan. I have been unable to make payments due to my spouse losing his job due to COVID. They took it upon themselves to take {$230.00} out of my account on XX/XX/XXXX via electronic check, stating that I authorized it. I NEVER authorized this and my ACH revocation is on file ( see attached ). I was also given the option to call to make payments. They are refusing to do anything about this. I will now most likely have to close my XXXX account that I have had for 10+ years. 

In addition, the payment agreement on the terms shows an amount due of {$230.00} for XX/XX/XXXX, not the {$230.00} that was deducted by an e-check ( that I didn't authorize ). I have reported this to XXXX and they are investigating it as well.

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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMorgan Chase Bank , N.A . has continuously asked for the same information in the re-financing of my existing mortgage. XX/XX/2020 a " Mortgage Commitment Letter '' was approved. It expired XX/XX/2020 without a closing date for the loan. It appears Chase is  delaying the loan by asking for the same information over and over again. If Chase does not want to do the loan, give me my earnest money back and allow me to seek another lending institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a Home Depot ( via Citibank ) credit card today, XX/XX/20, by clicking on the online link that said I'd qualify for a discount on the purchase I was making by doing so. 
I applied and was approved but no discount was applied to my purchase so I canceled the order. I have tried to cancel the credit card but can not do so via replying to the approval email ( refers me to online account or customer service ). I can't do online or by calling customer service as both options require that I have a full account number to proceed. I don't have a full account number or security code since I don't have a card yet. 

There is no option provided for canceling the credit card application/account.

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