vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Short sale was started with LoanCare XX/XX/20. LoanCare has been fighting us every step of the way regarding the homeowners EDD Award Letter and EDD statement printouts being in XXXX instead of English. 
***** THIS IS A CLEAR CASE OF XXXX ****** LoanCare is refusing to acknowledge the XXXX Award Letter and their XXXX Statement because they are in XXXX. They are demanding the borrower get a copy in English, which is not possible given the laws that protect non-English-speaking borrowers. XXXX said they have XXXX speaking customer service representatives, but no XXXX speaking underwriters and therefore can not use the letter we sent. THEY ARE DEMANDING THE DOCUMENTS/LETTERS BE PRODUCED IN ENGLISH, EVEN AFTER WE INFORMED LOANCARE THAT IT IS A VIOLATION OF BOTH STATE AND FEDERAL LAW, AS WELL AS THEIR SERVICING GUIDELINES. The State will not and can not produce these letters/documents in a language that the borrower DOES NOT SPEAK, as the borrower has indicated to the State that XXXX is their main language those letters/documents will ONLY be produced in XXXX. 

****LOANCARE DOES NOT HAVE THE ABILITY TO SERVICE THEIR CLIENTS****** THIS IS A CLEAR CASE OF 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 2020-10-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX 2 ) XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  PORTFOLIO ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX : Acct # XXXX XXXX ) CONVERGENT OUTSOURING ( XXXX ) ACCT # XXXX XXXX ) XXXX ( XXXX XXXX XXXX ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ),  when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2020-10-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On the morning of XX/XX/XXXX my credit card was used with the pin number to withdraw over {$3000.00} in less than an hour. USAA has not been helpful in the slightest. They ignore my phone calls and take days to respond. Somewhere between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, my cards were lost/stolen. I had no idea I was missing them until the next day. According to their policy only {$1000.00} should be able to be taken out on a credit card in a XXXX hour period. The fraud department told me it varies based on ATM while over 6 reps in the credit card department have told me it is a {$1000.00} limit and confirmed it is not ATM based. Their system failed and they are trying to make me pay for it. This has been very difficult to resolute. USAA made no effort to look into the fraud, they never bothered to try to gain video footage. 2 of the locations money was pulled from was literally banks, and they told me I have to do it all on my own. I tried to do that and realized I need police help so I filed a police report. This was filed almost two weeks after the event as USAA never recommended or suggested filing one. I was unfamiliar with this and thought they were handling everything. They have been rude and uncooperative. USAA is failing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was alerted that there were substantial changes to my credit report, reading 2 late payments on my Capital One Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with Capital One Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted capital One again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX   bank account onXXXX and the capital one credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from capital one showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their Capital One Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with capital one and 2x already with XXXX, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost 100pts. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MI

Complaint narrative:
Initiated multiple disputes with the 3 credit bureaus on XX/XX/XXXX. Mailed a security freeze request letter to Lexis Nexis through certified mail on XX/XX/XXXX. Through tracking information, I can see that the letter made it to its destination around XXXX on XX/XX/XXXX. Disputes came back with no change. Lexis Nexis advised that they have not received letter with all my personal information including a copy of SSN and drivers license even though Tracking says otherwise. They have no idea where this letter is nor do they have any information in their system in regards to a security freeze request. Verbally verified that the address the certified letter was mailed to was correct and that they just have not received the letter. The consumer report ID # for Lexis Nexis is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NV

Complaint narrative:
ATTENTION TO HUNTER WARFIELD INC ( XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire THIS ACCOUNT, I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I signed up for a XXXX XXXX card under a promo offer for 0 % interest for 15 months, {$200.00} bonus for a minimum spend, and 1.5 % cash back on purchases. I was approved for the card, had been using the card to purchase material for a project and then a month in received an interest charge of {$150.00} on XX/XX/2020 even though I paid the minimum payment and it was supposed to be 0 % interest for 15 months. I also was not receiving any cash back or other bonuses. I called Amex on XX/XX/2020 to figure out what was going on and they told me, I wasn't eligible for the promotional offers. When I asked why, they couldn't tell except for someone in the " specialty department '' decided they removed those options for me. I had an option between this XXXX XXXX XXXX and 3 others from different creditors and ultimately  decided on this card because it had the best offer. Only to find out, they removed the sign-up offers from my account without ever notifying me! They wouldnt put any of this writing of why I did not get the offer bonus after being approved and wouldnt look up or share any notes or transactions on my account. Never once was I notified that the promotional offers would not be provided to me. Complete abuse of power, fraud, and disgraceful business. I ended up paying off the $ XXXX balance to a {$0.00} after they refused to do anything for me and then they charged me an additional {$100.00} of interest chargers AFTER my balance was {$0.00}. I ended up losing out on close to {$1000.00} due to interest chargers, promo offers not happening, and a {$230.00} transfer fee to bring the balance to {$0.00} so no more interest chargers accumulated on my 0 % interest card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FIRST REPUBLIC BANK
State: NJ

Complaint narrative:
I am trying to refinance my student loans. My current lender is First Republic. In order to refinance with another company I need a loan document stating the it is a student loan or an education loan, or a signed letter from First Republic stating this. A simple one liner would suffice. I have emailed and called several times. My first request was on XX/XX/2020, then another in XX/XX/2020. I have emailed and called them several times since and no one has responded to help me. I am now unable to refinance my loans with any other company.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against Experian. On XX/XX/2020, I spoke to Employee named XXXX in Specialized Team, she was very irate and getting angry why I called.

She did file a dispute against the company. I requested to speak to her Manager, she declined to transfer. I had issue with the Membership, she provided me wrong phone number. 
Experian is very judgmental and is biased reporting consumer information. Even if the Creditor is reporting something false, inaccurate, Experian would not want to dispute it. Per communication with several Attorneys, this is unfair and unethical practice, Under FCRA a Creditor can not report a consumer just to make their commission, interests, and collect money which a creditor is not due. 

XXXX kept on saying if you have a outstanding debt then a creditor will collect all the charges.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: OH

Complaint narrative:
This has now happened to me twice and this issue more recently. 

Back in Year XXXX, I was looking to get a credit card for Emergencies ... My mom wasn't doing too well medical wise and was going to have to go out of town a lot to the XXXX XXXX and help out before coming back home to XXXX. My schedule very busy with work, keeping ontop of things or above things. One thing, I wanted a credit card and was looking into originally get a Discover Credit Card. 

I got home, paying bills and paid whatever came in the mail. I was paying on a bill but realized that I never received a card for Discover. 

I spoke to my banker and asked what was best thing for me to do because I did make contact to say it was not to me. He said to contact the XXXX  business and write up as fraud and see what happens. It was shown in fact it was fraud, that came off my name, off my security number, off my records but Discover has not left me alone and now has mailed me an Attorney Referral Pending. 

If I don't get back to them by XX/XX/XXXX. I am not sure what to do anymore and to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello As per my forbearance agreement lasting from XX/XX/XXXX - XX/XX/XXXX with Shellppint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX and the current law states that I would not be reported to the credit agencies. Shellpoint reported me as being late for XXXX and XXXX. 

My score has plunged 70 points and you have put me in jeopardy with all my other credit cards that could lower my spending or close my accounts. 

I called yesterday and an associate told me I would have to dispute this with the bureaus. 
This makes no sense since they made a mistake and accidentally broke their agreement in writing with me. I have the letter as proof. Can you please help me and have them correct this incorrect reporting to the bureaus? Thank you so much XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation