vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Capital One Bank USA NA on XX/XX/2014. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Capital One Bank USA NA then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from receivables performance. Then on XX/XX/XXXX I received ANOTHER hit on my credit from enhanced recovery company saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid enhanced recovery company in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for receivables performance on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called XXXX reported the same XXXX that I was disputing with receivables performance on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called receivables performance back and spoke to a manager that said that XX/XX/XXXX XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both XX/XX/XXXX and receivables performance are reporting the same debt negative on me. I called XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved.XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.

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 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
in XX/XX/XXXX I applied to Amerisave Mortgage for refinancing my real estate properties. They took my applications, charged me fees, completed professional appraisals and indicated there was no issue and they can fund the new loans. From XX/XX/XXXX to XX/XX/XXXX they kept asking for documents after documents and dragged on the process with one unfulfilled promise after another!. Although I provided all documentation they asked for, in XX/XX/XXXX they tell they can not close the loans. I went with another lender and they had no problem with refinancing loan. Amerisave lied and collected fees from me without delivering what they promised. I want my money back and file a complaint against improper practices by Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I do not have and am not liable with any debt with XXXX XXXXXX/XX/XXXXXXXX. I do not have any contract nor do I owe any debt to LVNV FUNDING LLC. Only the original creditor which is me can verify a debt and the debt is not mine. Not only that LVNV FUNDING LLC is in violation of the fdcpa. Here are the statutes that they are in violation of. 

1. 15usc1692d ( 1 ) utilzing the consumer reporting agencies to harm my reputation. By listing this collection on my report, they violated my reputation. 

Infringed on my right to privacy as the natural person by listing a collection on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
Dovenmuehle, a loan serviced in Illinois is really giving me a runaround on my mortgage. They missed paying town taxes ( thousands ) and after alerting them over a month ago they have taken no action to resolve. I am promised a call back and they never do. 
Now, I received a letter that they are moving my loan to another services with less than one week notice. I feel like I am being SCAMMED, how can a business function like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: LA

Complaint narrative:
In 2020 ( Complaint Number : XXXX ) was filed again XXXX XXXX /XX/XX/XXXXXXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation withXX/XX/XXXX and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXX XX/XX/XXXX ; contact my attorney General. I am in the process of purchasing a home & for the last 6 months Experian has been telling me to XXXX XXXX is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or XXXX XXXX is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. XXXX is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.

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 2021-02-25 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: AFNI INC.
State: TX

Complaint narrative:
Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from XXXX XXXX. Then on XX/XX/XXXX I received ANOTHER hit on my credit from XXXX XXXX XXXX  saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid XXXX XXXX  XXXX  in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for XXXX XXXX on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called AFNI reported the same XXXX that I was disputing with XXXX XXXX on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called XXXX XXXX back and spoke to a manager that said thatXX/XX/XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both AFNI and XXXX XXXX are reporting the same debt negative on me. I called XXXX XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved. XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: OR

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2021-02-25 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In 2020 ( Complaint Number : XXXX ) was filed again Chrysler capital /Santander XXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation with Santander/ Chrysler Capital and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXXXX/XX/XXXX; contact my attorney General. I am in the process of purchasing a home & for the last 6 months XX/XX/XXXXhas been telling me to Chrysler capital is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or Chrysler capital is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. Santander is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance Corporation on XX/XX/2010. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Credit Acceptance Corporation then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Muskegon Car Credit, Inc.
State: IA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Orbit Leasing on XX/XX/2017. I used my credit card as defined under 15 usc 1602 ( L ) and there was a finance charge involved as defined under15 usc 1605. Orbit Leasing then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
my identity was stolen I have been going through this issue for years

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 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: GA

Complaint narrative:
Family of 3, XXXX XXXX  and XXXX XXXX  hacked and controlled on XX/XX/XXXX. 
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and XXXX accounts. 
Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards. 
WE froze our bank account, and killed our credit cards. 
So no money was actually taken, it just appeared to shift between our 3 family XXXX accounts. But all our money remained where it should be, since we interrupted the supply!! 
HOWEVER, XXXX has a policy that credit card use with them requires a fee! So even though no funds were moved, and XXXX was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used. 
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from ACI, LLC on behalf of XXXX for {$75.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Lipsky & Associates, Inc
State: AZ

Complaint narrative:
I enrolled in the Equity Plus Biweekly Mortgage Payment Program. They were to automatically withdraw {$920.00} every two weeks and pay my mortgage to XXXX XXXX, the financial institution that holds my mortgage. On XX/XX/21 they withdrew {$920.00} and on XX/XX/21 another {$920.00} but never paid my mortgage. I am now one month behind and do not have the funds to get current. Attempts to reach the company are not successful. All telephone call attempts reach a voice mail that says " please call back during regular business hours '' and the line then disconnects, providing no ability to leave a message.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Over the last 3 years with the company it has repeatedly and on purpose halted trading and or transfers during specific time periods that correlate directly with peak sales and buy times. When this tactic fails they shut off their 2FA system to prevent movement of assets thru " security '' risk prevention and lie about their being someone working on it. This all can be proven with an outage report that they should be providing to their customers but are not and do not provide that information publicly. Its well known that Coinbase does this and all the customers it has have lost millions of dollars in trades. Today XX/XX/2021, I attempted to start the process of moving my assets off their horrible site to a more secure and profitable wallet app. Coinbase refused to send me my 2FA code that allows me to make transactions. I currently have nearly over XXXX of a XXXX dollars on the site that they are essentially denying me access to. Their support team is in XXXX and only does regurgitation of scripts from their own support website that provides no help at all what so ever. They don't even know their own company structure or what they are even involved in. The CEO himself has been made aware of this issue and has not issued statements nor done anything proactive to fix this huge issue but instead is trying to go public with is company. XXXX XXXX doesn't deserve nor should he legally be allowed to go public with Coinbase until he can provide a fundamentally stable application that doesn't steal from customers thru market manipulation. It needs to be legal for customers to sue them for loses today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA

Complaint narrative:
I have been working with Mortgage Solutions Financial to resolve a lost draft claim for nearly 12 months throughout XXXX. In XXXX, our home had water damage where we filed a claim with our insurance company. The mortgage company held the funds and was to release them back to me as we completed work and received sign off. In XXXX of XXXX, construction was completed and all the final documentation was submitted to the lender for final disbursement. I contacted them and they said they had everything and would send out an adjuster/appraiser to verify the work was complete. That was done the second week of XXXX and I was told I would have the final disbursement in two weeks. 
In XXXX of XXXX, my load was transferred from one lender to another and during that process, all the paperwork for the lost draft reimbursement was lost by the lender. I had to work with them through XXXX to recover as much as possible to resolve the reimbursement which came in XXXX. 
During this time, the lender charged me late fees for the mortgage payments they were holding in lost draft and wouldn't release. I escalated often that this can be handled one of two ways, either pay me interest owed on the monies they incorrectly withheld and I will pay them the late fees or waive the late fees and I will waive the interest charges they should pay. They are unwilling to do either and after nearly 30+ phone calls, they fail to take ownership of their failure/mistakes and never have they owned the problem. They continue to pay not my department game and shuffle me back an forth to avoid accountability. Clearly they not only have faulted processes and systems but their employees and leadership don't take accountability for their actions as a company. This could be easily resolved but their leadership won't step up, which is disgraceful Please contact me for additional details as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Easier Funding, LLC
State: MS

Complaint narrative:
The sales representative doing a phone call stated a false claim or misleading information. He stated that their company do not report to credit bureaus if balance is not paid if client were not able to make a payment. He stated they are here to fix clients credit and not damage them. I did not pay for service because I was misinformed. Call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: OH

Complaint narrative:
This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.

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