vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Dovenmuehle/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and Dovenmuehle and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), Dovenmuehle and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.

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 2020-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Previous Complaint XXXX was not resolved by creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results. report includes the following incorrect inquires. 


XXXX XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 please remove from my credit report since these inquires were not made by me

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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MI

Complaint narrative:
On XX/XX/XXXX, Midland Mortgage Co. Issued me pay off excess check in the sum of {$1300.00}. I notified Midland Mortgage Co. That I did not receive the check nor was it cashed I was told that I could not receive a replacement check by Midland Mortgage Co. representatives. My claim was made well within a 5-year period requried by federal law. I have contacted Midland concerning this matter consistently throughout the years. The retention of a copy of this check was verified as recently as XX/XX/XXXX when I spoke with Midland Mortgage Co personal concerning this matter supervisor XXXX XXXX was made aware of the conversation. 

My wife found the misplaced check which was never cashed, and she contacted Midland Mortgage Co. in an attempt to resolve the issue. Mrs. XXXX presented check numbers and other identifying information to Midland Mortgage Co in hope that this would assist in resolving the matter. She was rudely laughed at by a Midland Mortgage Co. representative and told the company would not issue another check which constitutes criminal theft. I have formally contacted multiple departments via mail and fax at Midland Mortgage Co. on numerous occasions. In a call that occurred in XX/XX/XXXX a customer service representative confirmed she could in fact see record of the check for {$1300.00}. The representative stated she saw no signs of the check amount in the unclaimed funds account of Midland Mortgage Co. In response, I stated that you also should be able to verify that the check was not cashed, and she agreed. I have kept detailed written transcripts of conversations with Midland Mortgage Co. concerning this matter as well as the physical check copy. I am prepared to pursue legal action if the company will not respect my attempts to resolve this matter amicably.

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 2020-11-24 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: IL

Complaint narrative:
I gave this car back XXXX XXXX. Credit acceptance was suppose to pick up car. They left the car, which they were suppose to pick up to sell them collect what is remaining. The whole 2019 they have not reported or tried to collect. They also never sent me any notification that they did not try to sell the car. The first time I tried to dispute they added late payments to my credit report which show currently nothing is due. They also took me to court and when I let the lawyer know they did not follow protocol they dropped the case.

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 2020-11-24 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Around XX/XX/XXXX, XXXX-currently, I contacted Consumer Portfolio Services ( CPS ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with CPS and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DHI Mortgage Company
State: FL

Complaint narrative:
XXXX/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and XXXX  and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), XXXX and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: U.S. BANCORP
State: OH

Complaint narrative:
Us bank ReliaCard for pandemic unemployment agencies of Ohio has had my card locked for 2 months now. Since XX/XX/2020 to current XX/XX/2020. I have faxed all my documents such as photo ID, birth certificate, w2 forms and social security card! They still havent been able to help me unlock 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 2020-11-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. 

On XX/XX/2020 and XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. 

This is to confirm that this is sent directly by me.

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 2020-11-24 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I asked XXXX to remove this incorrect information off my credit report as it is slowing down my process of succeeding & not only that the information is not mine nor have a got ta validation or it has been verified and its been over 90days of disputing.. please help immediately Caine & Weiner is the account for {$660.00} ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank constantly tries to steal money. I called everyday for bank card. Its XXXX and I'm told it was returned a week ago. I got no notification. XXXX. Customer service said she XXXX XXXX card but uts too late. I've called everyday and no knew told me. XXXX supv.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FL

Complaint narrative:
Around XX/XX/XXXX, XXXX-currently, I contacted XXXX XXXX XXXX ( XXXX ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with XXXX and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.

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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NM

Complaint narrative:
My loan was sold, to someone who has not contacted me, and I was just given notice. My payment next month is with a new servicer, of which has not contacted me, and when I contact them, they refuse to give me any information. How am I supposed to pay, when I don't even know the loan number for the account with the new servicer. I have XXXX, and do not need the stress from XXXX. If you look up XXXX  in the dictionary, it says see a banker. They should be fined for playing games with a person with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
This car acct is from 2015. A carlot told me I wasn't doing nothing but helping my sister with the income part on app. I didn't know that this was sticking me with this car .she eventually let the car went back due to lost of XXXX . I had car loan also with this same company Ally.. the acct says close on my credit report XXXX XXXX been over 5 years now all of sudden I'm getting call and they have put pon my credit a XXXX balance.never heard nothing about car she didn't mess car up or nothing then now here it is sold car aND I OWE THIS MUCH .NOT RIGHT AND THEY NEVER DISCUSS THIS WITH ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I uploaded a letter to XXXX, Equifax and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. Experian, XXXX  or XXXX does not have any files to verify these accounts, nor will they delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 7 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 


XXXX XXXX Inquiry from XX/XX/2020 Automotive Ml XXXX XXXX  Inquiry from XX/XX/2020 Finance XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX  Inquiry from XX/XX/2020 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX 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 2020-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
In the month of XX/XX/2020, Carrington Mortgage received the mortgage before the XX/XX/2020, XXXX XXXX  deadline. Anyway, I was charge around {$95.00} late-fee. I believe my credit report has been tarnished because Carrington recorded the payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: IL

Complaint narrative:
I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX data breach and might have got to the hands of the wrong people.

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