vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I have a mortgage for a condo. Besides the XXXX XXXX XXXX insurance ( mostly for structure ), I need to also provide my own condo insurance. 

In XXXX, my condo insurance lapsed due to miscommunication with my insurance company. 

In XX/XX/XXXX, my mortgage company ( Bank of Hawaii ) notified me that there was no insurance. Over the next 4-8 weeks, we worked through the discrepancy and my insurance was straightened out in early XX/XX/XXXX. 

If Bank of Hawaii purchased insurance for me during these months ( XXXX XXXX ), I have not problem with it and that makes sense. But they sent me a letter that they were charging me ( {$1000.00} ) for insurance for XXXX. When I questioned this, they said it was the rule and it was " retro-active ''. But they said that if I had needed the insurance back in XXXX, it would not have been in place and so I would not have been able to use it. 

So how can they charge me for insurance for XXXX when I didn't have insurance available to me in XXXX? And what kind of insurance company will sell insurance for a time period that has already ended?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received an email message from XXXX XXXX XXXX  on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX  XXXX XXXX  ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX   sold my account to LVNV Funding several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of LVNV Funding. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, LVNV Funding continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXX XXXX XXXX   message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX  XXXX XXXX, XXXX If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} Twenty consecutive monthly payments of {$25.00} XXXX XXXX XXXX  has implied there is monies owed to XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  has misrepresented on whom they are acting on behalf, XXXX XXXX XXXX sent a clear text message to a shared email address containing confidential information, XXXX  urges immediate payment or face to the account being recalled and sent to a lawyer, XXXX XXXX XXXX  implied they have been trying to reach me, this was the 1st communication I had received from XXXX XXXX XXXX. LVNV Funding had been notified of the balance dispute via a direct filing with the credit reporting agency. LVNV Funding has not taken any action, nor provided any response to the credit dispute. In countless way, XXXX XXXX XXXX  and LVNV Funding have violated rules under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I called Bank of the West on XX/XX/XXXX and messaged them through their XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. As of today they have not responded to my messages and refused to close my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was the victim of a phishing scam on XXXX XX/XX/2020. It involved purchasing XXXX {$100.00} XXXX XXXX gift cards and I used my Chase XXXX Visa card to make the purchase. I was able to prevent the gift cards from being used and after much effort on my part XXXX XXXX agreed to credit my Chase XXXX Visa card for the full amount of {$300.00}. I have been checking with Chase Bank to see if the credit has been made and today while listening to their own electronic voice account status I was told that three credits in the amount of {$100.00} each were made on XXXX XXXX to my account. When I went to the Chase Bank website and opened my account to verify I could see no record of the credits and we are now three days later. Subsequent calls to their customer service personnel yielded no results. They could not explain why their electronic phone system would indicated that {$300.00} in credits had been made but they could not see any record of the credits in their system. Chase Bank obviously has my {$300.00} credit but is refusing to apply it to my Chase XXXX Visa account. I want them to credit my account for the amount that XXXX XXXX Department store sent as a refund. Their own phone system documents that they received the funds on XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: U.S. BANCORP
State: AZ

Complaint narrative:
I notified US Bank on more than one occasion about my serious health problems and asked them to work with me as I was fighting for me life. The agent always seemed willing to work with me on trying to keep me current on my mortgage. it wasn't until recently when I applied for a new mortgage that I found they did not keep their word. They had stated the would add payments to the end to cover XXXX and XXXX of XXXX  and show me current.

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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nobilis Credit Management, LLC.
State: ID

Complaint narrative:
I received a voicemail on XX/XX/2020 at XXXX XXXX ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 XXXX. I spoke with XXXX XXXX at Nobilis Credit Management LLC. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: OH

Complaint narrative:
During the nationwide shutdown of COVID-19 I inquired about a deferral payment plan that would put my principal and interest to the back of my loan. After two months of this I never received any paperwork. I have called Key Bank 27 times during this process trying to make my payments. I have been receiving paperwork in the mail stating Im behind my payments. I have had local representatives come to my house to collect. I have recorded calls that I have been trying to make payments and pay all of my insurance and taxes in full. Key bank keeps telling me that the paperwork isnt going though. Every time I call I get a different answer. I am now dealing with a XXXX XXXX. XXXX He has assured me that this will be taken care of swiftly. He has promised to call me back. None of this has happened. I have called and left messages. I have emailed several times. He will not contact me back. I can not get anywhere with them. I have been trying to make payments for 6 months now. Key bank has also put negative impacts on my credit file. I have offered to pay all taxes and insurance up to date and can not get anyone to accept my payments. I do now know what more i can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the XXXXair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
On Thursday XX/XX/XXXX, I received an alert via my credit monitoring stating two new collection accounts were now reporting. The two companies reporting these unknown collection accounts are : ( 1 ) Southwest Credit System ( 2 ) XXXX XXXX XXXX I want to be VERY CLEAR, I received NO notice from either of these companies. I don't owe either nor have I ever had any accounts with these companies. By law, I am afforded the opportunity to receive a notice from a collections company PRIOR to placing any item on my credit report. I demand both ( 1 ) Southwest Credit System & ( 2 ) XXXX XXXX XXXX remove these accounts from my credit file IMMEDIATELY. 

No notice of a debt was received nor had the opportunity to demand debt validation. Remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a line of credit on my home equity which has not been used since XXXX and the balance is XXXX since then. I am currently refinancing my house, On XX/XX/XXXX I called the bank and requested to close my account and they gave me a confirmation number XXXX and the representative told me that in one or week the account would be closed. More than a week passed and the account was still active and I called the bank again ( each call has a waiting time of more than 90 minutes ), I asked why my account was still active and they told me there was a internal miscommunication and they transferred me to a supervisor who apologized for the delay, she indicated that they expedited my process and it would not take more than 4-5 business days to close the account. A week passed after talking with the supervisor and the account is still active and I called again and spoke with a representative who escalated my case to a manager who called me on Friday, XX/XX/XXXX, apologizing and offered me that the account would be closed for the day XX/XX/XXXX. Today is XX/XX/XXXX, more than four weeks have passed since I requested to close the credit line account and I called the bank and none answers the phone, the waiting times are more than 90 minutes. Currently I am affected by this delay and that the refinancing process is waiting to close this line of credit with the Bank of America and that affects me economically and I am already tired of calling and claiming with 90-minute waits on the phone.

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 non-monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX Assistance XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX of XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence

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 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away XXXX date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX   Transunion and XXXX  still show this account as late payment ( see XXXX as an example ).

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 2020-09-11 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: CA

Complaint narrative:
Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with Equifax, XXXX and XXXX still show this account as late payment ( see equifax as an example ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc
State: MD

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I  realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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