vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
An account for Resurgent/LVNV Funding LLC appears on my credit report as a collection account with a balance of {$1500.00}. 

On XX/XX/XXXX, LVNV Funding LLC entered a judgement against me in the original amount of the debt, {$950.00} plus interest, fees and costs for a total of {$1300.00}. I had never received a subpoena from anyone. 

On XX/XX/XXXX a writ of garnishment was entered. Garnishments were taken from my paychecks until XXXX, XXXX and the judgment was settled. My paychecks were garnished for 6 weeks until the FULL balance of the account was paid. On XX/XX/XXXX, judgement was answered on the Writ of Garnishment. The balance was satisfied and the case was closed. 

Today, XX/XX/XXXX the account not only appears on my credit reports, the balance continues to be reported and has even gone up. I have disputed the account several times, but the issue is never resolved. I have never received verification of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Due to unexpected circumstances I missed my XX/XX/XXXX payment due date. When I was able to make an online payment on XX/XX/XXXX I was advised that my payment due was {$650.00} rather than the {$330.00} scheduled payment. When I made the online payment of {$650.00}, the Home Depot/XXXX XXXX  web site displayed a text box advising me that my next scheduled payment was due on XX/XX/XXXX. In early XXXX I began receiving notices that my XX/XX/XXXX payment was past due. On XX/XX/XXXX I contacted Home DepotXXXX XXXX  and explained that I was following the information provided on THEIR online payment portal that my next payment was not due until XX/XX/XXXX. I also asked why they were demanding that I pay approximately three times my regular monthly payment in less than a one month period, and if so, why was I being charged over {$300.00} as a late fee when their credit agreement term clearly states a late fee of {$38.00}. The Home Depot/XXXX XXXX  representative had no explanation to my question and advised me they would submit my issue to the proper authority for review. I received a US Mail reply, dated XX/XX/XXXX, from Citibank that stated they had attempted to contact me to discuss the issue. The only contact I had received, prior to this letter, was to harass me about my XX/XX/XXXX payment being past due. I was never offered an explanation or answer to the issue I was having, other than that I was mistaken and that my account was past due. 
I have continued to make my regularly scheduled payment in a timely manner to uphold my share of the credit agreement. During this time, Home DepotXXXX XXXX  's response has been to continually harass me via phone, email, and US Mail, all the while refusing to answer my questions and concerns surrounding their faulty billing system and exorbitant fees. On XX/XX/XXXX, I received a notice from Home Depot/XXXX XXXX  that they have suspended my card privileges and decreased my credit limit by {$7000.00}, adversely affecting my credit score. 
As a taxpayer it is appalling, that after receiving over {$470.00} XXXX in taxpayer bailout money, this bank would be permitted to engage in such egregious, and outrageous business practices. Their attitude towards myself has been nothing more than, " you are wrong, pay up or we will destroy your credit! '' This abuse of power is simply unfair to consumers who feel we have no recourse. 
I ask that the CFPB please investigate the " Bullying '' of consumers by Citibank and hold them accountable for the damage inflicted on their customers credit history. 
Thank you for your consideration.

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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America deemed my property vacant for no reason & sent XXXX XXXX with a work order & broke in. Completely destroyed my basement door, frame, etc & tracked mud in every room. Which I have camera recordings of all which had been given to the sheriff. BOA said they didnt have anything to do with it but they havent changed it on my paperwork yet whic proves them guilty. Ive had to see a XXXX  which diagnosed me with XXXX, XXXX  XXXX with XXXX. Restitution is required to be paid to me for this serious crime by BOA for property & emotional damage upon receiving this.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NE

Complaint narrative:
I find this very ridiculous that I don't have access to my own money because you guys wanted to put it in my mother name the prepaid MasterCard so I do not find it fair that I have no access to my own money please resolve this situation as soon as possible because I would love to have access to my own working hard money please and thank you also I do not want a payee either I would like to be my own payee because I'm also a human being who deserves her freedom as well and free speech of the United States of American. Also I believe everyone deserves to also have more freedom and also more money in their pockets as well I do not appreciate or find it fair that I'm struggling with my own money you guys are not being fair and you guys are giving me the end of the stick I prefer the the whole benefit not half of it thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Our mortgage was transferred from XXXX to Mr. Cooper in XXXX. During that process I inadvertently made a payment to XXXX in XXXX. XXXX forwarded that payment to Mr. Cooper. Mr. Cooper misapplied that payment to principal and did not consider it a monthly payment. Therefore, they recorded that we were a month behind in our mortgage. We then received a letter to modify our mortgage. Beginning in late XXXX I have called multiple times to have the previous payment reapplied to our mortgage payment to no avail. Every time I call they tell me they will 'take care of it '. To date, it has not been reapplied. In addition, over specific objection the mortgage was placed on a modification. I am applying to refinance with another company and this has affected that application in a negative manner. I have made all payments up to date but our mortgage statement fails to correctly reflect that status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
On XX/XX/2020, I received a collection letter from XXXX XXXX  XXXX XXXX, d.b.a. Speedy Cash. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
As of XX/XX/2020 my mortgage has increase by {$120.00}. I have contacted myloancare a few times trying to get a better understanding of my escrow information. No representative has been able to give me a full detail breakdown of why this has occurred other then saying " unfortunately I do not have any additional information ''. I know my insurance and taxes went up monthly together a total of {$51.00} estimate but that still leaves an estimate of {$77.00} unaccounted for that they are unable to tell me why. A representative told me is a miscalculation from previous year ... .how can that be if this is only my second year. What are they comparing the shortage of {$77.00} a month too? They are unable to justify the huge increase of {$77.00} shortage a month that has been added to my mortgage.

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
Paid off my emergency room bill with XXXX XXXX XXXX Hospital in XX/XX/2020 was told it was taken care of and no balance due and that I paid on time. Come to XX/XX/2020, I check my credit and there is a collection agency RMP SERVICES LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX trying to collect on the same account. Disputed the account with XXXX  but they did not remove it even though I have proof of payment. Tried to talk to XXXX XXXX Hospital today and spoke with XXXX who was very rude and argumentive and tried to ask for a supervisor to try to get some better assistance. She kept repeating I had a zero balance and there was nothing they could do, which was the whole point of the phone call. I told her that they sold it but I had already paid them in full and had proof and they needed to fix it as it was affecting my credit. They said call the collections but the collections will not help either because its the Hospitals responsibility to tell the collections it was paid and was not supposed to be sent in as a collections, I still have not heard back from the Hospital and am trying to dispute again but decided this is my best route. If this doesn't work I will seek an attorney because I am not paying twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, and XXXX  are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, and Experian are inaccurately showing that several of my accounts are 30, 60, 90,  and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX  - Date XX/XX/XXXX XXXX XXXX - XX/XX/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 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Today I contacted Rushmore Loan Management Services based out of California. During this call I explained to Rushmore that we have been furloughed and laid off from our positions are requested a forbearance. This was granted however Rushmore is stating the forbearance is only for three months and we would need to pay the entire amount after three months. I explained the CARES ACT and was immediately told FHA are only taking three months at this time. I advised this individual you are not following the law and was immediately told to go to their website rushmorelm.com where they would have some 2 minute and 16 second video explaining the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX paid off loan {$28000.00} XX/XX/2020 XXXX XXXX auto pay {$630.00} from my checking account XX/XX/2020 XXXX XXXX assessed me {$28.00} non sufficient fund XX/XX/2020, I reached out to MB customer service. They will refund the {$630.00} but not the {$28.00} assessed fee. It does not make sense to me why auto pay was activated when loan is {$0.00}. This has caused an inconvenience to me during this pandemic crisis. Per customer service I need to call my bank regarding the NSF fee. There is no justification why they won't pay the {$28.00} it was their mistake. It's not a lot of money but it's the principle. 

Thank you for your time and kind consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Integrity Funding Ohio, LLC
State: GA

Complaint narrative:
On XX/XX/2020, I received a collection letter from Integrity Texas Funding LLP, d.b.a. XXXX XXXX. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my 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 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied with PHH Mortgage to refinance my condo on XX/XX/XXXX. The account rep., XXXX XXXX, was very helpful initially in getting me through the application process and getting the loan pre-approved and locked in the interest rate. After the initial communication on the application, there was " zero '' communication from her or PHH Mortgage. I uploaded all the required documents without her assistance or directions. 2 weeks later, I attempted to contact her via voice mail and email, no responses. On or above XX/XX/XXXX, I called again and got someone else to talk to me. A mortgage services consultant, XXXX XXXX, told me that my loan had all proper documentations and the appraisal fee was waived, but he did not understand why the loan was not put in queue for processing. Also, he mentioned that the rate lock had only 4 days left. He was going to ask XXXX XXXX and her boss XXXX XXXX (? ). He then told me that they would be contacting me. I called XXXX XXXX again the next day ( XX/XX/XXXX ), he again told me that either XXXX or XXXX would call me within an hour. He even told me to call him back by XXXX XXXX  XXXX  if I had not heard from anyone. I called XXXX again at XXXX XXXX XXXX  since I did not receive a call from either XXXX  or XXXX, but XXXX did not pick up my call. I left him a voice message to call me back. He never did call me back. I called again to XXXX and XXXX the following day to request them to call me back. Neither one did. I sent them email to request some types of communication. None responded. On XX/XX/XXXX, I received an email requesting an appraisal of my condo for {$550.00}. I sent both XXXX and XXXX an email inquiring if the appraisal request was legitimate, particularly I was told that the appraisal fee was waived. Again, they did not response. I left them both voice messages and emailed them asking for a call on XX/XX/XXXX. Neither responded. In the evening of XX/XX/XXXX, I received an adverse action letter via email denying my loan application citing the application was incomplete. PHH Mortgage is my current loan servicer and solicited me to apply for refinancing. The Company and their representatives are terrible in communication and totally unprofessional. They have misled me to think everything is in good condition and then deny my application using an unsubstantiated excuse of incomplete application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call Lakeview every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for Lakeview to  removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from Lakeview stating that the inquiry was finish and they would not removed the late payments.

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 2020-04-30 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Department of Navinet continues to report inaccurately. According to XXXX  Navient, account number beginning with XXXX reports to all three credit bureaus 35 late payments which are incorrect. The account inaccurate reporting is affecting my credit worthiness along with my credit score.

Company response to consumer: Closed with explanation