vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed missing a payment with Rushmore Loan Management. I sent my bank statements and asked them to review it. I wanted them to see I haven't missed a payment. Because of this issue more problems came about. I was charged late fees and interest payments. Also my PMI was going to be depleted on XX/XX/2023, however since they determined I am ineligible for early cancellation based on them stating I have been more than 30 days or 12 months past due on my payments. They also stated my mortgage have increased. I responded by saying I received two notification letter one in XXXX and another one in XXXX. They stated they had sent a letter in XXXX. I explained to them I haven't received any other letters in XXXX referring to a mortgage change. I tried reaching out to them, however they want listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I made a deposit at Wells Fargo in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I then asked to close my account and issue the check. They told me that I am unable to access funds or close my account due to a lack of banking activity. 

My funds are frozen and I'm not able to access my account or close 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 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank 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 non-monetary relief
Consumer complaint received 2022-12-27 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: MA

Complaint narrative:
XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of XXXX XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of settlement XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank 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
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, my home was damaged. My homeowner 's insurance company. XXXX XXXX XXXX sent an adjuster to look at the damages. I had wind damage to my roof and mold damage to several walls and baseboards. On XX/XX/XXXX, XXXX XXXX sent me a preliminary settlement for the damages of {$44000.00}. The check was made out to me and my wife and also HomePoint Financial ' At the point, I called HomePoint to see how to handle the check. They sent me written instructions on how to endorse and send the check to them along with the various accompanying documents they required. They acknowledge receipt on XX/XX/XXXX In addition, the XXXX XXXX adjuster sent his report on the damage and the cost to repair to it on XXXX XXXX. It even included a contractors estimate and agreement to do the work. Initially, HomePoint told me they would send me a check for the repairs but withhold ten percent the amount until their inspector approved the work. I never received the check nor heard from HomePoint again. I have called them several times and each time they had an excuse for not sending the check. Finally, on XX/XX/XXXX they told me that they did not like the adjustors report, so they were putting the check in escrow. They offered no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company allowed me to file an application for a XXXX XXXX XXXX, on about XX/XX/2022. I completed the application process and uploaded all requested documents. Neither in the application package, the company 's web page nor other promotional matters, pertaining to Home Equity Loans, was I informed or advised that this organization prohibited the use of XXXX Equity-based loans, for any business purposes. 

I waited 5 days for the notice of loan approval, but instead, I got a call, not a notice from XXXX XXXX, where, she among other things, said she think that my approval was denied, due to loan, purposes. Upon further questioning, I learned that she didn't even know what the loan restriction policies were. The loan officer was very uninformed, and more concerned about directing me toward a business loan, than answering my questions, regarding the following : 1. Why was my application accepted and processed, if the policy was to deny equity loans for business, purposes?

2. Why was I required to file all of the documents, and allow access to my accounts, and give permissions, if the subject company, denied all equity loans for business purposes?

3. Why was my application sent to underwriting for processing, if the financial organization, denied all loans for such purposes?

4. Why is this organization discriminating against XXXX XXXX and the general public, by denying access to home equity? 
5. The company 's two notices of adverse action are contradictory, confusing, and capricious. 

I believe that I was discriminated against due to my XXXX XXXX  status, in addition to having income based on government benefits and XXXX. 

I also believe that the company 's reasons for denial, are " facially discriminatory '' as well as arbitrary and capricious! 

Denying me access to the home equity in my home, based on the fact that I might use some portions for business purposes while approving loans for other purposes, is also " Facially Discriminatory, '' and a violation of The Fair Housing Act!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX On a recent check of my credit reports I see there is a collection/charge off account from XXXX XXXX XXXX saying I owe a debt of {$1600.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

*** You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank financing in reference of a car doesnt report accurately and keeps reporting the wrong information after several payments are made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received an alert from my bank on XX/XX/XXXX about a collection hitting my credit report. I immediately went to annualcreditreport.com to see what account was in collections. In turns out that there was an account in collection under my named that was unpaid. I contacted the creditor listed on my credit report to get more informaiton. 


CONVERGENT OUTSOURCING {$1200.00} Date opened : XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX The account was opened in Texas. I have never lived in Texas. I have been a resident of XXXX XXXX  for 31 years and I just moved to XXXX. During the time the account was opened fradualently in my name, I was living in XXXX  and buying a home in XXXX I explained all this to the creditor and they are mailing me a fraud package to dispute the account. I still have not recieved the package. 

I have filed a dispute with the 3 credit agencies and so far have had 1 of 3 removed from my file. I am looking to file a police report this week as well. So far I have put a freeze on my credit. 

Attached are documents supporting my residency during the time frames in question.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So Ive filed multiple claims with CHASE bank because my identity was stolen while I was incarcerated. They have denied me & claimed to understand the situation but cant help me I just want my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XX/XX/2022 is a transaction on my credit statement from all school fundraising for XXXX. I called JetBlue Mastercard to report fraud I receive a credit but than on my next statement transaction was put back on my account. I called JetBlue again and was told they was going to send me all info regarding the transaction when I receive the paperwork all the information on there was incorrect wrong name and mailing address. I than called the school where it was to receive such items and the school was not aware of what I was talking to them about

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 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment

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 2022-12-27 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: PA

Complaint narrative:
Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXX XXXX  XXXX without my consent. According to FCRA, this is against Hipaa law.

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 2022-12-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXXXXXX XXXX XXXXXXXX without my consent. According to FCRA, this is against Hipaa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
A fraudulent account with XXXX XXXX XXXX was opened in my name on XX/XX/2024 totaling over {$2000.00}, and send to The billing address associated with the account is XXXX XXXX XXXX, XXXX, NJ which does not exist.

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 2022-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My mortgage account was switched from Huntington Bank to Huntington Bank back in about XXXX. When it was switched they stopped my automatic withdrawal so I had to go into the bank and start it back. Then about a month later I received a notice from the city of XXXX that I was delinquent on my taxes. I tried going to the back and no one would help I called several times over the phone finally they said they would fix it and said I was not responsible for the late fees. Then I checked on the delinquent taxes and they did charge me for the late fees. ( I have an escrow account ) Also it was stated they had not received any tax bills and the city of XXXX sends them out when they are due.

Company response to consumer: Closed with monetary relief