vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING, LLC/RESUGENT states they found no records supporting your allegations, including, without limitation, that LVNV improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES notices and communications. LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES ) such as " debt collector '', " debt owed '', " collections '' all are words I find offensive. These notices have included several violations of 15 USC 1692 using such words in notices that have my personal information attached. Furthermore, all notices have been received during inconvenient times. Lastly, LVNV, has not validated any contract that I have consented or agreed to with their company.

LVNV has continued to damaged my credit and reputation. This is a violation harming my physical reputation and caused me to loose business opportunities that I am trying to secure.LVNV, FUNDING LLC unlawful attempt to prejudice my security interest  and liberties by an action against the XXXX XXXX Estate is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc. 

I am demanding to remove ( DELETE ) the collections from all three credit bureaus and cease all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
U.S. Bank has not approved my short sale package. 
The property address of the short sale is below XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX We have a buyer made an offer 4 months ago and the buyer is able to meet the their appraised value amount. It's horible to get U.S. repsonse and accept short sale. Very slow repsponse or no response. U.S. bank does not look at my sitting short sale file to approve the purchase contract. U.S. Bank DID NOT get the the short sale moving, keep dragging for 5 months. U.S. Bank really has no accountability for any deadlines. U.S. BANK HAS been really hard to deal with short sales .US Bank shareholders should fire the management immediately for getting paid and not doing their job.

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 2020-09-16 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: TX

Complaint narrative:
XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX  multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: TX

Complaint narrative:
XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2020, I received an alert on my smartphone via XXXX XXXX that my Bank of America credit card had been removed. I immediately logged into my BoA account with concerns that there was a security issue. Upon login, I noticed that my credit card account was no longer listed, though I could continue to see my Savings and Checking accounts. There were no online messages and I had received no physical mail regarding my credit line. The balance was {$0.00} upon closing.

Ive made four separate calls to Bank of America to resolve the matter, both to 800 numbers and to my local branch. No one was able to help me and I was told that the card was closed due to inactivity. Again, I received no notice of the closing of the account. I was told that I may have not received notice due to USPS issues, though that would not explain a lack of electronic message. If I had received notice I would have taken steps to use the card to keep it active. My credit score is important to me.

The credit line that was closed had been open for nearly a decade. By closing the account without giving me notice my credit score will take a hit. My hope is that the CFPB can assist me in getting Bank of America to reopen the account. Thank you for your time and assistance.

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 2020-09-16 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:
This complaint is regarding Experian Credit Reporting Agency. 

In XX/XX/2020 I filed a dispute report regarding missing data on my XXXX XXXX Account for the month of XX/XX/2020. 

I took the appropriate steps and filed an online dispute through Experian services and filed the report with the finance company ( XXXX XXXX ). 

The file and dispute was updated late XXXX ... .HOWEVER the file was updated incorrectly and now reflects additional missing data for the months of XXXX, XXXX, XXXX, XXXX, XXXX. The reports read payments as " no data '' In XXXX, I applied for the XXXX XXXX loan due to Covid related hardships and was denied because of credit. I was told that I could apply again but needed to show XXXX payment and any other additional on time payments. 

I began to make a phlight ( 30+ ) of phone calls both to XXXX XXXX and Experian to drill down on who was at fault and express my sense of urgency. XXXX XXXX 's supervisor and team has handled the matter very professionally calling me back and delivering documents that show proof that they are sending the payment for the " missing data '' months to Experian. 

On XX/XX/2020 I called once again and an Experian supervisor expressed that she saw the payments reported from XXXX XXXX and that it was a " technical '' issue and Experian was at fault. She suggest that I open up a " escalation '' ticket to get the problem resolved within 3-5 business day. After waiting one week with no results, I started to call again and have been yelled at, hung up on and promised that the  problem would be fixed within 30 days. As of today XX/XX/XXXX, the missing data is still reflective on my account and no one at Experian is sure how to fix. 

Experian is liable for negligence and bad faith and fair dealing and damages caused to me because of such.

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 2020-09-16 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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting fraudulent accounts, addresses and inquiries on my credit report. I am an accountant and my field requires you to have a good credit history. I was laid off from my previous employer due to Covid. I am currently seeking employment elsewhere and the jobs I have applied to will run my credit to make sure I am in compliance with the credit criteria. With the fraudulent accounts and information reporting on my report, I likely will not get a job offer!

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
The funds in my account were frozen. I contacted Penfed and they stated due to my account being frozen they would return the money deposited into my account by the SBA back to the treasury department. This was stated to be done on XX/XX/XXXX. I contacted the SBA and the funds had not been returned and the rep I spoke with at Penfed would not answer my calls nor return my call to inform me that my money had been sent back to the SBA. I finally got a chance to speak to a rep yesterday who stated on XX/XX/XXXX that my funds had not been returned and that she would be processing them via check which she could not state when this would be done. I was told this had already been done on XX/XX/XXXX which XXXX XXXX the head of the security department had stated this had been completed only to discover it had not been completed.

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 2020-09-16 00:00:00
Product: Vehicle loan or lease — Title loan
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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
A forebearance plan was entered into with Fifth-Third Bank in XX/XX/XXXX due to COVID-19 related hardships. In XX/XX/XXXX, we reapplied after the 3-month initial forebearance. Fifth-Third Bank is claiming no forebearance was filed, and reported the loan as delinquent. They reported it to the credit bureaus and it has affected my credit score adversely. We have asked multiple times to pay the forbearance amount and for the incorrect report to be addressed. Fifth-Third has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4800.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$5700.00} TermsNA On Record UntilXX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$810.00} Highest Balance {$790.00} TermsNA General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX Account NumberXXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$13000.00} written off. 
Status UpdatedXX/XX/XXXX Balance {$0.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$25000.00} Highest Balance {$0.00} TermsXXXX  Months General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX  XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusOpen. 
Status UpdatedXX/XX/XXXX Balance {$11000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$270.00} Original Balance {$15000.00} Highest Balance {$0.00} TermsXXXX Months XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as  many as apply XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX NULL NULL XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX   XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY

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 2020-09-16 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: NY

Complaint narrative:
I contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section 611 of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.

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 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
This is a new development on existing case number XXXX Submitted to the CFPB on XX/XX/2020. As per the attached .pdf, dated XX/XX/2020, you can determine this company granted me a deferral. On XX/XX/2020, their representative XXXX, stated that she " anticipated '' me receiving the deferral docs for me to sign and once and for all, lift this forbearance, in 2 weeks, via first class mail. That should have arrived yesterday, XX/XX/2020 and did not. In order for me to refinance, which is in progress, this forbearance needs to be resolved asap. Today, XX/XX/2020, I once again spoke with one of their company representatives, named XXXX. I asked her when I could expect this document to arrive, she answered " I don't know ''. then redacted, now stating 30 days, opposed to the anticipated two weeks, stated by her co-worker XXXX. 

This morning I logged into their website to make this month 's mortgage payment, as I have done for years, even during this period of forbearance ( this is documented ), and unbeknownst to me, my loan is now not eligible for online payments. Nobody from this company informed me of this change to my payment capabilities and payment is due today. this is just another in a long list of irresponsible, potentially hurtful actions by this company. There should be some sort of accountability, but they just don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All my accounts placed with XXXX XXXX on a debt consolidation program. Walmart keeps selling accounts to new people. Last sale was XXXX. They have settled with XXXX XXXX. Should not have this derogatory information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
we have our mortgage with AmeriHome Mortgage. We have an escrow account that pays our yearly taxes and insurance. In XX/XX/XXXX our personal insurance company made an error and sent lapse of coverage to AmeriHome. At that time AmeriHome put a forced place insurance policy on our loan and deducted {$1500.00} from our escrow account. OnXX/XX/XXXX AmeriHome paid an insurance premium to our insurance company for {$1400.00}. XXXX XXXX XXXX has contacted AmeriHome on numerous occasions to clarify the error and has sent numerous emails and faxes showing there was no lapse in coverage. I have personally called AmeriHome at least 15 times since then. AmeriHome has sent a letter stating the forceplaced coverage was cancelled but they REFUSE to refund any of the premium ( {$1500.00} ) that was paid out. This incident has made our mortgage payment increase over {$80.00} per month. I contacted the Federal Reserve and they referred me to you. Can you PLEASE HELP ME????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PRA states they found no records supporting your allegations, including, without limitation, that PRA improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in Portfolio Recovery Associates, LLC ( PRA ) notices and communications. The verbiage such as " debt collector '', " debt owed '', " collections '' al are words I find offensive. This has harmed and caused physical damage to my reputation and character. Furthermore, all notices have been received during inconvenient times. Lastly, PRA, has not validated any contract that I have consented or agreed to with their company. PRA has continued to damaged my credit, and PRA unlawful attempt to prejudice my security interest and liberties by an action against the XXXX XXXX XXXX is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: ECMC GROUP, INC.
State: AL

Complaint narrative:
ECMC was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to ECMC and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by ECMC, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. ECMC is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all 3 of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.

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 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: PR

Complaint narrative:
A debt collection from Harris and Harris ( XXXX XXXX ) appears on my credit report in the amount of {$180.00} but I have never received a notice in my mail box. My postal address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I will appreciate your help.

Company response to consumer: Closed with explanation