vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX Mc Carthy Burgess & Wolff agency called my work. They insisted on know my full name even though I only answer the phone here. When I asked them if they were calling to speak to an attorney they told me they could not answer any questions until the gave my full name. When i explained I was just an employee and not even the receptionist and did not wish to give my name, the refused to give me any information. They again called at XXXX XXXX  on XX/XX/XXXX. This time I gave my name but they refused to tell me if they were calling to speak to an attorney until I spelled my name. I don't know why they're calling, and I do not wish to give my full name and other information if they're not calling to speak with me. I consider this a form of harassment and an attempt at identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the Citi card immediately because of this and because of how horrific their Customer Service is. Citi refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was Citi 's double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact XXXX  to bring my credit score back to what it was. I contacted XXXX  but they would not change my credit score as they said they contacted Citi and all of the information is accurate. I will include the dispute letter from Citi explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. Thank you.

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 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
We are having a major issue with Rushmore Loan Servicing. We were having having a Loan modification process through Rushmore London Secing Loss Mitigation Department. Oue Sole Point of Contact is Mr XXXX XXXX. On XX/XX/XXXX my husband XXXX XXXX XXXX received a call from Rushmore initiated by Mr. XXXX XXXX. XXXX XXXX started expressing his feelings how that XXXX people were being mistral ed by XXXX people. How XXXX were getting the end of the sticks. XXXX were being treated unfairly by XXXX cops. And he himself Was going through the same problem his loan house was being foreclosed on and so and so forth. When my husband told him that he was XXXX with a XXXX wife the conversation stop. This was the last conversation he had with Mr XXXX. Ever since our calls were not being answered we were ignored no matter how much we call no returned phone calls. We called Mr XXXX supervisor Ms XXXX XXXX no returned phone then Rushmore proceed to Foreclosed. My wife XXXX XXXX had to file for bankruptcy in order to stop the foreclosure. The process restarted and we felt that we were being played. No one at Rushmore wants to discuss any subject besides foreclosing. We finally got in touch with XXXX XXXX upper management for Rushmore and we explained that the investors wanted to charged off the mortgage since we have overpaid for the property before the market bubbled in XXXX. Our intentions is not to get a free bee we just want fairness now we are being foreclosed again on XXXX of this year. We need help and feel like we are being discrimated against because we are an interracial Couple. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
I purchased my home in XXXX of XXXX. I did not qualify for the homestead exemption deadline and the house property taxes were approximately {$5000.00}. On or about XX/XX/XXXX, I contacted my mortgage servicer providing the new tax amount for XXXX and requesting that they recalculate my escrow. The new taxes for XXXX ( as provided by proof from the county courthouse and sent to the mortgage servicer ) would be {$2400.00}. Shortly thereafter on or about the XXXX of XXXX, the mortgage servicer sent me a check for approximately {$2800.00} and improperly stated my XXXX taxes to be {$2400.00}. I contacted them, made them aware of the error they made, and I was instructed to destroy the check. On or about XX/XX/XXXX, I received a notice that my escrow balance was underfunded by {$1900.00}. On or about the XXXX of XXXX, I contacted the mortgage servicer and informed them that they sent me a check in error, that they needed to remit the proper tax amount to the taxing authority for XXXX, and that my escrow fund was not under funded. On or about the XXXX of XXXX, I was informed by the mortgage servicer that given my reduced property taxes that my monthly payment would be reduced to approximately {$1800.00} from {$2000.00} ( this is actually correct using the proper taxes for XXXX as I have provided them proof of same ). On or about the XXXX of XXXX, XXXX, I was informed by the mortgage servicer that my escrow account had been reanalyzed and that my new payment would be increased from {$1800.00} to {$2100.00}. The mortgage servicer was now using the incorrect XXXX property taxes of {$5000.00} not the reduced and corrected amount of {$2400.00} that was provided earlier by the me and supported by documentation from the county courthouse. In summary, my XXXX property taxes are approximately {$2400.00} and my total loan payment for XXXX with a properly analyzed escrow fund should be approximately {$1800.00}. I have spent endless hours on the phone, writing emails, and talking to representatives. This is plain and simple math. They should make the correct adjustment and move on. 

XXXX taxes were

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Home Mortgage, my property reclosure dismissed by, Judge, XXXX XXXX, Probate Justice System, on XX/XX/XXXX. 
XX/XX/XXXX, I was approved for HOME AFFORDABLE MODIFICATION AGREEMENT. 
From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo NEVER notified me, by letter, or served me any documents that my property was in forclosure from XXXX to XXXX, XXXX XXXX Circuit Court Probate Records does not have foreclosure dockets, after dismissal XX/XX/XXXX, Another servicing error from Wells Fargo, I complaint, in writing, XX/XX/XXXX, I requested itemized bill for charges of {$110000.00} added to the principle I owed, itemized bill per charge was given in lump sum. 
Final reply on XX/XX/XXXX, I still disagree with their reply. XX/XX/XXXX, I received a letter from a gentleman, XXXX XXXX, enclosed with his letter, copies of letter from Wells Fargo, addressed to my property address, XXXX XXXX XXXX XXXX, XXXX Florida XXXX, mailed to him, this letter containing personal information sent to Mr. XXXX, address in Washington instead tu us. 

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 2020-02-11 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 — Their investigation did not fix an error on your report
Company: BOK FINANCIAL CORP
State: TN

Complaint narrative:
Colorado Bank State & Trust was our mortgage broker. It is reporting as BNK Oklahoma. When we had to pcs we found tenants right away for the first year. The second year we were struggling to find a tenant. I called into Colorado Bank State & Trust to defer the payment for XXXX and XX/XX/2017. Once we got tenants in I called back and paid XXXX and XXXX in XX/XX/2017. The first amount was for {$2300.00} on XX/XX/2017 and the second amount was {$1500.00} on XX/XX/2017. They reported that I was late making the payment for XXXX and XX/XX/2017. I have disputed the claim that the payments were late through the company several times over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break. 

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I spoke with one of Transunion 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX  -XX/XX/XXXX XXXX  XXXX- 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 2020-02-11 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: FL

Complaint narrative:
My credit score keeps on go down, Equifax wants me to purchase there products ( I wouldn't ) My house paid off I owe no money my credit cards are paid off in full each month.I have no loans my card are all paid off, no loans and my score keeps on going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have all of the documents that is needed to prove that Equifax for the send time has information on my credit report that is incorrect. 

First of all 4 years ago, I moved from XXXX  back to XXXX, I was denied a apartment due to Equifax. They stated that my home was delinquent. I then proved that my home in XXXX  was paid in full. I was told by Equifax, the issue was resolved and removed from my credit report. I was able to rent another apartment in XXXX XXXX XXXX, that was {$4000.00} per month. 

In XX/XX/2019, I went to the XXXX  XXXX XXXX  on XXXX XXXX XXXX. I was going to Lease, but when the dealership ran my credit from Equifax, it showed the same issue that was on it 4 years ago. 

I tried to resolve this at that time, but it is a long process. So, I returned to the dealership with my Mom so she could co-sign for me. At that point I purchased the XXXX. I did not want to lose out on the end of the year incentives. 

I have a loan with my Mom as the primary and I'm the secondary for a interest rate of 8.5 % through XXXX XXXX. 

I have been trying to deal with Equifax, but I have no where else to go but to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover stole {$2000.00} out of my bank account on the same day that I paid them another {$2000.00} payment. They never returned it. They never credited my account.I called them and spent 14 hours trying to get them to fix this. I have bank statements showing the money that they stole from me. Then they destroyed my credit and it is still destroyed due to their lies to the credit agencies. I have sent them all the proof. They have done nothing. I am in serious financial trouble because of them alone. On XX/XX/2018, I transferred the balance of {$12000.00} to Discover Card. On XX/XX/2018 I paid Discover the final payment I owed for a total of {$12000.00}. I was never late. Enclosed is a statement from Discover and bank statements showing eight payments made : XX/XX/18 : {$360.00} XX/XX/18 : {$300.00} XX/XX/18 : {$3000.00} XX/XX/18 : {$300.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the XXXX card immediately because of this and because of how horrific their Customer Service is. XXXX refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was XXXX XXXX double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact Experian to bring my credit score back to what it was. I contacted Experian but they would not change my credit score as they said they contacted XXXX and all of the information is accurate. I will include the dispute letter from XXXX explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. Thank you.

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
I mistakenly paid Fortiva {$30.00} to a closed account. I immediately emailed and asked them to change that money to the balance of my open account. I didn't get a response. A few weeks later, I chatted via their online chat portal and was told it would be 3 days, and the money would be credited to the correct account. I checked back, and the money had not been credited. I chatted via online chat again, and was told it would be 7 days. On the 8th day, I called Fortiva directly because STILL nothing had been done. I was told FOR SURE it would be done and it would take 7 days. It has now been 8 days since the phone call and after chatting via XXXX, he told me it would be 10 days. I finally paid the account that I owed money to and am chatting with XXXX, who told me that I can request a refund once my account has a credit balance -- which it's had since XX/XX/2019. This is FIVE contacts I've had with Fortiva about this money. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
friday XX/XX/2020 at XXXX as I reviewed credit report noticed company ( a ) had placed a collection notice on my account and had no amount owed, called said company and they advised they no longer had file and the file was sent back to another collection company when asked how was I to resolve they gave me phone number to other company when attempted to contact second collection company all I get for 2 days is various names and extensions no live person!?!?!? 

very sceptical and no knowledge of above referenced matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Home Plus continues to inaccurately report a 30-day late to my credit report, even after agreeing to remove the item with a written letter ( attached - account ending in XXXX ). I have submitted numerous disputes with the 3 major credit reporting agencies and this company has agreed to remove a 30 day late payment in writing, then did not honor it and made numerous proven false statements about the details of my payment. This company continues to harm the consumer. There is a pattern of this behavior and I am asking that the CFPB step in and take action against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I spoke with one of Experian 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX  - XXXX XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-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