vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am a XXXX XXXX  in severe financial distress due to Stay at Home orders. I have filed all relevant SBA and FEMA applications with my bankers. In the course of contacting my personal creditors, I contacted US Bank regarding our XXXX  XXXX  XXXX  MasterCard. They indicated I do not qualify for their Covid-19 relief program because of late payments. 

I have paid all of my payments on the due date or one day before via ACH on their website for years. It turns out, the don't post payments made via ACH on their website for up to 1 business day and always after the weekend. I had no idea I was racking up late fees while paying on time. I am incensed in frustration to discover they were " floating my payments '' to my detriment and charging me late fees. 

They are now using that as the disqualifying reason that they will no extend me the payment deferral that every single other creditor ( dozen plus ) has extended to me including tier 1 and tier 2 credit  cards and banks. This is at least an abuse of their treatment of payments to their benefit. It is a worst a slap in the face to me as a business owner in legitimate distress. This is a matter principle. The payment that they would defer is only {$66.00}. And yes, that {$66.00} matters to me this month by never mattered enough in the past to even notice the egregious late fee policy. 

Again this is a matter or principle. If they are doing this to me then they are doing it to millions of patrons who think that a ) paying their bill on the US Bank Website on its due date is paying as- agreed ; and b ) they are refusing to offer relief when it is most needed. Moreover, their agent on a recorded calls demanded that i pay the {$66.00} that I was not able to pay in XXXX  ( when I could not get through on the phone to them after five days of trying ) and that if I paid that {$66.00} then I the payment deferral program would be extended to me. I want the call recording pulled and staff held accountable. The supervisor was self rightous at best and implied that if I had been a reliable customer, then they would have offered me the program. I have been shopping at XXXX  since it opened. I have been a US Bank XXXX card holder for many years. I had not Idea i was getting stuck with late fees for paying what appeared to be on time and only would have realized it if it ever showed up on my credit report ( which it never has ). They are splitting hairs and charging material inappropriate fees.

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 2020-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I am a senior citizen and was sick for some months and could not pay my mortgage. I was told they would foreclose my home. Since I hadn't been able to work, I did not have the money to pay a lump sum. My loan had only 19 more years to go, mind you I have a 7.4 % loan. So they told me they could " help '' me by reducing my mortgage payment by {$100.00} per month but I had to sign a " refinance '' paper that put me on a 40-year mortgage! Since I didn't have any other option I had to sign that paper so as not to be evicted from my home. So my mortgage went from 19 years to 40! The only deduction {$100.00} a month. I was scared to be homeless, I'm XXXX XXXX XXXX and they definitely took advantage of my age and my health. So now, I have a 40-year mortgage on my back which obviously is a rip-off. This shouldn't be allowed, taking advantage of an old man for their benefit. I have been asking for refinancing but have been denied constantly. I need help with this urgent matter. If I die, I don't want to leave this burden to my children. I was taken advantage of because of my age and state of mind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: IL

Complaint narrative:
Experian once again has ignored all previous complaint matters. Per my last complaint about having no access to my online account ; I followed the instructions and faxed and mailed all documents the company requested. They have not responded but rather have sent back finally after about 3 or 4  months a dispute investigation I filed. I feel they are purposely denying me access to my account as the same as they are purposely putting the wrong address on the mail they send me so they can claim it was sent or lost. I am attaching a photo of the address the mailed the latest investigation report to me in which they have changed my address completely never have I put in my complaint or mail to them an apartment number in XXXX at the address provided. They have refused to restore my online account to experian. I sent them ALL documents and proof of verification they requested but in response they send a report from an investigation dispute filed months ago ....

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 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This company has been inaccurately reporting my status. Ever since XX/XX/2018 I hired XXXX XXXX XXXX as my power of attorney to help me settle my XXXX XXXX. I will be attaching all the documentation. They were constantly being contacted by the law firm to try and settle but they kept refusing. However finally recently when Covington credit used a XXXX party collection agency, I was finally able to settle my debt with Covington credit for {$390.00} paid in full mid XXXX. 

This company knew that my lawyer has been trying to settle with them. I understand that I was behind in my payments but to indicate my account as charge off when they knew I was under contract with XXXX XXXX XXXX seems very unethical. Plus, I was to make no contact with them individually per my lawyers request. 

I have attached as much documentation as I could. I should not be penalized for the lengthy and grueling process of the back and forth of settlement offers between my lawyer and Covington Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
PLEASE REFER TO ATTACHED .PDF FILES. 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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10  days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I have had automatic payments for my mortgage with Caliber Home Loans set up for almost two years. After I lost my job due to COVID I spent two hours on hold with Caliber to call in and request a forbearance and cancel my automatic payments out of my checking account ( this was a full two weeks prior to when it normally comes out ). The call ended with me assuming I was having a 3  month forbearance and my automatic payment was canceled. 
Two weeks later the payment was still taken out. When I called Caliber and stayed on hold for another 2 hours, they apologized for the error and to reverse the transaction they claimed it would take 7-10 days to process a check. I told them this was unacceptable and I will incur overdraft fees. There response was I should call my bank and ask them to cancel the transaction. I expressed to them I do not want to call my bank ( XXXX  ) because I don't feel they should have to do extra work for something Caliber messed up on. I asked to speak with two levels of supervisors and they gave me the same answer. Unwilling to expedite a prompt return of my money and simply telling me to go through my bank. I expressed I understand mistakes happen and not upset at the intital mistake an associate of theirs made by not canceling it but that two levels of management would not do anything to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Management Outsourcing, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
For COVID-19, I am financially impacted for paying my mortgage with Freedom Mortgage. I filled out COVID hardship information on their website and I waited a week to finally receive a letter that my hardship application is being reviewed. There is also information in the letter about them foreclosing my house even though I haven't missed a single payment! No information is stated about approval of a forbearance on the XXXX XXXX loan. So I feel like they are totally not following XXXX XXXX direction regarding COVID forebarence, not confirming approval of a forbearance and are instead implying a threat to start foreclosure process on me for filling out the COVID forbearance application. Extremely dishonest bank and are really harming me and people during this crazy time.

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 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates, LLC has called me repeated at all times during the day and night. I am receiving over XXXX calls a day from this agency. Oftentimes, the calls are back to back. Sometimes this agency call me on Sundays as well. In add In XXXX of 2019, this agency called me at a number I did not provide. When I quested this practice, the representative stated " We have ways we find number ; this is your job right, we are going to call you everyday at this number because we can ''. I have asked this agency to stop calling me but was told, that the agency had legal rights to call me " when and how they wanted ''. I have also requested letter be provided to me but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THE DISPUTED BANKRUPTCIES HAS BEEN DISMISSED AND DISCHARGED AND THEY HAVE BEEN REPORTING ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE FOR IT HAS BEEN CAUSING SEVERE DAMAGE.

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 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RMS-Recovery Management Services, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation