vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Since XXXX I have been trying to submit a request to have our home appraised in order to potentially remove the PMI I've been paying. During the beginning of Covid, I was furloughed from my job. I put my loan in foreberance for a total of 3 weeks, and paid my loan current when I was allowed back to work. We've requested the late payment to be removed, and were assured by multiple people that " a note has been put on the account, '' and to re request a PMI removal. It's been 3 times, and we've been denied due to a " Late payment '' each time. 

I have communicated with the bank if our house does not appraise well, I would be willing to pay the extra principal to get our loan under 80 LTV

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I placed a credit freeze with Experian in XXXX of 2020. Since XXXX, I've been attempting to remove the freeze. I was unable to do so, despite providing all necessary personal information online. I mailed paperwork into their offices with no reply. I've made a dozen phone calls to resolve the issue but it's impossible to reach a human being.

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 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
I am a federally protected consumer and I requested validation of alleged debt with Bridgecrest. This document was received by Bridgecrest on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Bridgecrest is in violation of 15USC1692. The company responded to my request alleging that they are unable to fulfill my request due to insufficient information. Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Had a VA mortgage with Bank of Texas ( Bank of Oklahoma ) ... .refinanced on XX/XX/XXXX ... .escrow refund was released on XX/XX/XXXX per website ... .I contacted them on XX/XX/XXXX and was told the check would be mailed out on XX/XX/XXXX ... .called in on XX/XX/XXXX and confirmed it was mailed out from their XXXX location to my home in north XXXX ... waited a week no  check ... called BOT was told to keep waiting ... .called back on XX/XX/XXXX and XX/XX/XXXX and was told the same thing to just keep waiting ... .I requested a stop payment and a new check cut and was told if I request that I have to wait an additional 30 days ... .requested on last 2 phone calls to speak to a supervisor but was told I would receive a call back same day ... .never received a phone call ... .have filed 2 formal complaints with BOT and was supposed to get a call back regarding those ... ..still have not received a call ... ... .It is now day 36 and I keep getting the run around with no solution except to cancel the " check they mailed out '' and wait another 30 days ... ..all I am asking for is a option on where I can pick up a check or have one recut and overnighted.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/2020 we set up a modification agreement on loan # XXXX - made a payment of {$18.00} is what the website asked us to do both parties agreed we did the same thing with the other vehicle loan we have and all of a sudden they show up on our doorstep today and repo the car - they never emailed me the modification agreement I have emails that shows that it was set up in place - made a payment that same day - and they are refusing to except payment in anyway size shape or form I tried to make a payment on the website today

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 2020-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
We opened a Home Equity Line of Credit with XXXX XXXX XXXX XXXX. The funding was available on XXXX. Our banker said we were supposed to receive an introductory rate for a year. But it seems that didn't happen. 
My complaint is about Dovenmuehle that took over the processing of the HELOC and the statements. We made one interest payment to XXXX XXXX with a due date of XX/XX/2020 for {$280.00}. And also made a principal payment of {$3100.00}. When the monthly billing statement came from XXXX, I called because I felt they were charging too much interest, that is due XX/XX/XXXX. ( {$1000.00} XXXX Our payments were drafted on XX/XX/2020, due to the holiday. I did not pick the drafting date, so interest was charged for 3 days extra, through no fault of ours. 
I called Dovenmuehle on XX/XX/2020 and spoke with XXXX. She said she saw the problem and opened a ticket. She also asked that I send an email stating I did not want drafting on XX/XX/2020 until the interest situation was resolved. I received an email from XXXX XXXX which stated the formula for calculating interest. She did not address my concerns. I tried calling her, but her phone # did not answer, even though it presented as a business phone # with an extension. So I called Dovenhuehle again and spoke with XXXX  ( sp? XXXX. She said she couldn't put me through to XXXX. So I went over everything again with her. She said there wasn't a problem. I again called and tried to reach XXXX and I got XXXX. He wouldn't put me through to XXXX either. He said he was a supervisor. I was not happy with his explanation either and he said most likely the interest amount in question {$1000.00} would be drafted on XX/XX/XXXX. XXXX said she saw the problem and XXXX and XXXX and XXXX XXXX did not. I don't know who to believe as their responses to me all differed. I feel we will be paying more interest, than necessary and I can't get resolution. What should be our next steps? It was so much easier just working with XXXX XXXX XXXX. Not impressed with Dovenmuehle at all and wish they weren't involved with our account. We may end  up changing banks if we can't get good personal service. Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: ERC
State: TX

Complaint narrative:
The company by the name of Enhanced Recovery added information to my report that included account information from another state. After calling to try and resolve this issue numerous times, the company continuously added the information to my report over and over after i worked so hard on my report. The account clearly was fraud and the company only seem to care about adding it to the credit report of anyone to try and collect the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: GA

Complaint narrative:
I have an account with conns home plus and I try making my payments on time but my pay check dont all ways line up with the due date. I have informed them of this many of times but all that I am told is to sign up for auto which still would not help and could probably make my account go negative. I have call and have told them I will make a payment on a set day and to please dont call me. They will continue to call 4-6 times a day from multiple numbers. They will sent me text messages saying Good credit is important. Your account is 9 days past due. Please call Conn 's @ XXXX and pay {$130.00} or for assistance. 
I also will receive emails saying we are here to help or I can help you with your account. Both of these statements dont live up. I even have had trouble making a arrangement on my payment. I would say that I would be maybe 12 days late and thats when my next paycheck comes in, they have to get permission from a Supervisor to let the payment go though. At the time of XXXX they were running a promotion for 0 % Interest for 12 months. I put {$500.00} down on my account to open it on a XXXX computer and they said that I did get the interest free period even though the purchase amount as well above the minimum amount. I will not use this company once this account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: MI

Complaint narrative:
Theres two XXXX XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.

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 2020-10-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP

Complaint narrative:
Company - US Bank Reliacard Issue - Account was locked out without notice at the end of XX/XX/2020. At this time, there is no access to any PUA money that was dispersed to the account via online, transfers, ATM, etc. 

35 phone calls have been made to US Bank Relicard, each time with a different answer and excessive wait times. The requested information ( proof of identity ) has been faxed to US Bank Relicard 4 times, each time to a different number as provided by customer service. No one ever has an answer other than " check in 4-6 business days ''. Then when you call back, they request the proof of identity to be faxed again. 

Over 7 weeks have gone by with no access to PA PUA Funds.

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 2020-10-02 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: MI

Complaint narrative:
Theres two XXXX  XXXX. I HAD ONE. Its impossible to have two. The dates dont add up. The open date on one and late payments on other at the same time. I dont know whos is in my report but its unacceptable. This is a major violation. Ive filed MULTIPLE complaints and disputes. They will not listen. XXXX  deleted it! Please these are not both mine. I had ONE! Im taking legal recourse if this isnt resolved in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2020-10-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: NJ

Complaint narrative:
On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments  showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.

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 2020-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Resources has failed to comply with Fair Debt Collection Practices Act, 15USC 1692g Sec.809 ( b ) and should be penalized by false statements to CFPB. No letters were ever sent to my consistent dwelling of 6 years, there was a data breach publicized due to XXXX  XXXX negligence during the period in question and this 3rd party collection agency has failed to provide any evidence of its response for a verdict to be rendered. I have requested to be provided with copies of any papers that show that I agreed to pay ARS. Prove the statue of limitations has not expired on these accounts. ARS is a licensed medical provider equipped to solicit finance for thus stated services rendered. Provide me with ARS license numbers and registered agent providing statements for VALIDATION made pursuant to the above named Title and section. Im considering a FTC complaint against XXXX  due to failure to comply with laws and statues mentioned.

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 2020-10-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I wrote Select Portfolio Servicing Inc a letter on XX/XX/2020 informing them to only contact me by mail. They continues to call me at all times during the day including after business hours on past occasion. When i did speak to a representative I was told these are computer generated calls and that is why I has to wait for the call to be transfered to a live person. I had spoken to the representative and informed the representative for Select Portfoloi Servicing Inc to only contact me via mail prior to mailing the letter out to Select portfolio Services Inc. They had continue to harass me with phone calls after I spoke to the representative, then I wrote them a letter which did not stop them from calling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: GA

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2020-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
In XXXX of 2019, I applied to consolidate my six loans through the federal government in order to secure a fixed interest rate on a single loan. After submitting my application, I received a notification that FedLoan Servicing would be sending me new loan information and payment details once they processed my application ; however, this information never came. As the months went by, I would receive billing email notifications from FedLoan Servicing detailing that my payment for the month was " {$0.00}. '' I also received an electronic letter from FedLoan servicing that my loans had been paid in full, which was misleading. During this waiting period, I had called FedLoan Servicing on numerous occasions to inquire about my loan consolidation application status and loan/payment details, to which I received the excuse that my new loan information must have gotten lost in the mail and I was assured that they would resend it. Prior to applying to consolidate my loans, I had been paying {$380.00} a month for six months and had managed to pay off all of my interest on my student loans. While waiting for FedLoan Servicing to provide me with my updated loan information, which ended up being six months, I accrued {$810.00} in interest, which I do not feel I should be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: MA

Complaint narrative:
I have sent certified letters disputing accounts that are reporting inaccurate on my credit report and all I get is the same results from the e-oscar system as verified and accurate. I'm at a point where i will file to sue in the small court against this company due to inaccurate reporting 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
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Sent letter to validate the debt, never received a responds within 30 days..please all information from these accounts from my credit report..see attachements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation