vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Starting XXXX XXXX With agent XXXX XXXX up until today my Loan # XXXX seemed to be going in circles.I have never been late on a payment and purchased the property XXXX XXXX XXXX XXXX XXXX Arizona XXXX XX/XX/2018 for XXXX. The home has appreciated to XXXX to XXXX.My credit score was 750-770. The amount of the new loan will be XXXX. I am not asking for any money out. My XXXX XXXX account is at XXXX dollars.I gave Bank Statements that showed XXXX to XXXX per month.My second income property is valued at XXXX XXXX in XXXX XXXX with a XXXX balance and is also with New Rez Mortgage.My documents state that if this loan doesn't close within 90 days of application my borrowers rights may terminate.My current Insurer is XXXX XXXX which was presented to XXXX XXXX and was better coverage and less expensive than any presented.Many times I resent documents to make sure that the were in New Rez possession.I reached out to XXXX XXXX who was XXXX XXXX Superior with no return calls twice.I also reached out to Mr. XXXX of New Rez with no return call.I believe XXXX XXXX as I knew time was of the essence.My current interest rate is 4.8750 which is high and my payment is XXXX Dollars per month.My Loan Estimate was 3.25 % and a payment of XXXX with taxes and Insurance of XXXX included. Remember my Insurance is already in place and New Rez is the loss payee.I hate to say it but a loan agent not named said it might have slowed due to my age XXXX years old.Now suspect is {$6600.00} estimated closing costs and {$7300.00} Cash to close.Shellpoint Mortgage is associated with NEW REZ

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have filed a dispute with the credit bureaus in regards to incorrect items on my report. It has been well over 30 days and I have not received any feedback or investigation results.

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 2020-07-10 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have filed a dispute with the credit bureaus in regards to incorrect items on my report. It has been well over 30 days and I have not received any feedback or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to link my account to XXXX and am being told pnc has made a change to my account that won't allow it to be linked. I need access to my accounts the way I want to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As part of the global pandemic, my hours were cut in half. In response to that development, I began contacting creditors to ask for assistance. Capital One has prominently featured on their webpage that they will offer COVID assistance. I called and the automated voice informed me that the wait was 30 minutes. So, after a few more attempts to speak to a human, I wrote a letter. I received a letter in response telling me to call. I called and spoke to a representative who said she would defer XXXX and to call back in XXXX if things had not improved and they would defer XXXX. On XX/XX/XXXX, I logged into my account to prepare for the phone call, I was surprised to see a hefty interest charge, a late fee and my account was flagged as overdue. I called and got a representative who was difficult to communicate with and she informed me that they could not go back and remove the past due amount. She admitted that she saw I called but she could not help. She said they would not lower the interest rate. She also told me if I paid XXXX 's payment today - GOOD NEWS! they would remove the late fee. She told me that the account was going to be flagged as past due and she was sorry but there was nothing she could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I rented an apartment and lived there for approximately 5 years. When I moved out in XXXX of 2014, I did a walk through with the Manager, XXXX, at XXXX XXXX XXXX. She said everything looked great and I didnt owe anything. Now, six years later, Im applying for a mortgage and a debt from the apartment says I owe {$2000.00} for pet damages. I never had a pet. I called the apartment office and they said all of the records were taken by the previous management company. They gave me the name of XXXX XXXX who apparently ran the complex while I was there. The said the records were all left at the apartment. Finally, I called the collection agency and they told me to pay the debt and they would remove it from my records. I told him that I still had no written copy of why I owed money. I spoke with XXXX XXXX at National Credit Systems , Inc . He sent me a copy of an apartment move out checklist dated two and a half months after I moved out and not signed by me or the apartment manager. It says I owe {$2000.00} for pet damages. I never had a pet and my lease shows that. In addition, I have a witness who lived there at the time that said after we moved out, apartment employees lived there with pets. I have truly tried to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I was making payments on vehicle, vehicle was inoperative and unable to drive. Filled chapter XXXX and was making payment to courts to pay loan off. During the process a roommate took my truck and it broke down in the middle of the road as the transmission was going bad and this person was told not to drive. I was unable to retrieve vehicle from tow yard and loan company repossessed vehicle. Then they left vehicle at tow yard and did not even try to sell to recoup some of the money owed. At the time of the repossession the vehicle had a acv of less than XXXX. I had already paid over XXXX and now they are reporting late payments to the credit agencies and causing a great strain on my credit rating. I feel if they never tried to recoup their money from selling vehicle than how do they know how much I owe? It could have sold for a few XXXX and my balance would have been manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit bureau is reporting a bankruptcy on my credit report. I disputed with Credit bureau only to get a generic response that they investigated and the company reporting the information verified that the information was correct. I contacted the company which was the bankruptcy court that the credit bureau provided. I receivable Lester from them stating they dont deal with the credit bureaus or report any information to them. I sent this letter disputing the information again only to get the same generic letter back stating theY investigated and the company ( bankruptcy court ) verified to them the information was accurate which is false. This company is reporting g false information and I want it removed from my credit report because it is hindering me from a job promotion. My next step will be legal council unless this credit bureau company provides me with the names of whom they spoke with to verify this information so that I may pursue it further.

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 2020-07-10 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: LoanCare, LLC
State: CA

Complaint narrative:
I have made on time payments from a payment plan and they have not shown those on time payments. Loancare has sold my loan to a serving company XXXX XXXX and should remove or rename my account to show that true information. They have refused to do so multiple times and they have not done their research into this matter. I will be getting an attorney if this is not deleted for false reporting.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery is reporting I owe a debt ; I never authorized this company to have my personal or private information. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Experian did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Experian is allowing this to occur.

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 2020-07-10 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: GA

Complaint narrative:
Credit bureau is reporting a bankruptcy on my credit report. I disputed with Credit bureau only to get a generic response that they investigated and the company reporting the information verified that the information was correct. I contacted the company which was the bankruptcy court that the credit bureau provided. I receivable Lester from them stating they dont deal with the credit bureaus or report any information to them. I sent this letter disputing the information again only to get the same generic letter back stating theY investigated and the company ( bankruptcy court ) verified to them the information was accurate which is false. This company is reporting g false information and I want it removed from my credit report because it is hindering me from a job promotion. My next step will be legal council unless this credit bureau company provides me with the names of whom they spoke with to verify this information so that I may pursue it further.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding has been report information on my credit reports ; I never signed a contract with this company or gave written permission to have my personal and private information. Due to this company reporting this information and contacting me they have violated my federally protected consumer rights. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
I previously leased merchandise through XXXX XXXX XXXX XXXX  via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XX/XX/XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, XXXX XXXX XXXX to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to security credit services. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX ( was removed from XXXX in XXXX ). Ive paid this debt already!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2019 I mailed a letter to Jefferson Capital which I will attach. I basically requested verification of my debt in order to take appropriate steps to address my debt. It has been over 30 days as of today XX/XX/XXXX and I have not received a written reply from them. I am requesting CFPB step in to get the ball moving with their response as I am attempting to work on improving my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express has charged off an account I had with them and sold my information to a debt collection company ; both have been harassing me about the debt and giving out different amounts owed. American Express continues to report the account inaccurately which is harming and damaging my reputation. What American Express is doing is wrong and illegal ; who do I owe and how much do I actually owe? American Express is allowing and giving the CRA wrong information to report and this is causing a great deal of stress and preventing me from accessing a home for my family and business opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: DE

Complaint narrative:
I am XXXX  and ordered a battery scooter from XXXX on XX/XX/20 {$590.00} order number XXXX DISCOVER CARD ENDING XXXX I CALLED XXXX AND CANCELLED THE UNIT ON XX/XX/20 was told no problem they Will advise the XXXX supplier XXXX in California ( I then ordered a larger scooter On Discover for {$1600.00} The other scooter was too small Would not work for me. 

On XXXX. I started receiving XXXX  ship data I called XXXX daily please cancel this delivery They advised it was cancelled On XXXX XXXX tried to deliver it And we rejected the delivery ( As advised by XXXX Return to sender ) Return to sender I requested thar Discover accept my Dispute for the charge XXXX XXXX mgr # XXXX Advised they would not process a dispute till at least 30 days And I would be required to pay the bill I should call them on XXXX to request a dispute I requested to speak with her supervisor. 
Was told they would call me back 6 hrs later no response I should not have to wait 30 day to file a complaint on my account. 
DISCOVER SHOULD START A FILE AT ONCE IF IT TAKES 30DAYS TO RESOLVE THATS OK BUT THEY SHOULD START THE PROCESS AT ONCE I DONT WANT TO BE RESPONSIBLE FOR LATE FEES OR PENALTIES IF THEY CAN BILL INSTANTLY THE CAN LOG COMPLAINTS INSTANTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
honda financial services is trying to illegally collect a auto deficiency balance from a repo in XXXX i purchased a XXXX XXXX XXXX XXXX from honda in XXXX  XXXX florida XXXX the car was repossessed on XX/XX/XXXX XXXX the car was sold to a private auction on XX/XX/XXXX, a final billing ledger was sent out to me on XX/XX/XXXX addressing the amount the car was sold for and the remaining balance that was owed on my behalf which is considered to be the deficiency. i contacted honda serval times to dispute this and received the same information constantly. this information is also inaccurately reported on my credit reports damaging my credit score. after conducting the proper research in the state of florida a finance company or lien holder can not collect or sue for a deficiency balance if they don't properly provide all of the remedies for the borrower to reinstate the loan or buy the car back. fl statue 537.012 repossessions, disposals of pledged property ; excess proceeds states that : taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i called honda financial services on XX/XX/XXXX and spoke with a representative named XXXX at XXXX XXXX XXXX time. i inquired with XXXX XXXX if honda financial services sent out the proper notifications prior to the sale being conducted. XXXX XXXX responded " no, the state of florida laws says that we don't have to ''. our conversation took place on a recorded line. i am requesting that honda financial services remove this negative listing from all three credit reporting agencies immediately due to its inaccuracies and illegal claims per florida statue 537.012

Company response to consumer: Closed with explanation