vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I was preapproved for a auto loan by Navy Federal Credit Union. While car shopping i stopped at a used car dealer called XXXX XXXX XXXX. They advised me they had the truck I wanted coming in and when they got it in, I would receive a phone call. They held on to my preapproval letter and my check. I never received a call and left for training. I later found out that my preapproval letter was cashed for the total loan amount of {$21000.00}. I was contacted by Navy Federal who was inquiring about the Title for the vehicle that I never received. Navy Federal Rep advised me that they did not know why the check was cashed because that dealership was blacklisted by Navy Federal. I went to the dealership to get some answers and found out that the dealership was closed down. I was told by Navy Federal Reps that they could do nothing. I reported the Fraud to XXXX Police who investigated the incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We were at the end of the loan on a XXXX XXXX when it was in an accident. The person that hit the car did not have insurance and we had purchased GAP insurance with the company. We have been still making payments on time and trying to work through the GAP insurance policy when Ally sends a letter saying that we have not made payments and the car was going to be charge off and it would go on our credit report. 
We called GAP and they said they needed payment history and a running balance with the payment history so they could make a payment to ALLY. 
Ally has only sent them the payment history and not the running balance, they claimed they don't do that. 
We have made payments on time for the length of the loan and are still making payments on the car, all while they are demanding payment in full before they send it to our credit report. 

Never in the history of banking have I heard of a bank charging off an account while still receiving payment and they know that GAP insurance is still being worked through.

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 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I received a suite from Superior Court today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the XXXX  XXXX XXXX by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to Superior Court and I am now getting documents.

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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NY

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-23 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: MD

Complaint narrative:
This request is with XXXX XXXX  of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. 

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 2020-09-23 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:
I am in the process of refinancing my mortgage on my primary home. The problem I have been experiencing regards the paperwork provided to the refinancing company ( AmeriSave ) for the trust I have. I provided AmeriSave with the Certification of Trustee. They responded that they wanted to see the full trust. I reminded them that per California law section 18100.5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. 

Despite this explanation they have continued to harass me to provide the full trust even telling me on XX/XX/XXXX that we would not be able to close in a trust unless I provided them with the full trust docs. Thus far I have provided AmeriSave with the Certification of Trustee, the notary page and the page in the trust before the notary page, the trust page that shows the trust is revocable ( even though it says this in the Certification of Trustee ), the trust page that shows the trust has the power to mortgage, and the first page of the trust. 

I have been very uncomfortable during this whole process and have expressed that to both the loan originator and processor. I have even called the title company myself who told me they have approved the Certification of Trustee for closing on their end but AmeriSaves underwriting continues to request the full trust document. 

I have tried to call the processor directly, but the phone number listed on his email signature and on the AmeriSave customer portal leads to a voicemail for a man named XXXX. I pointed this out to the processor via email and asked for his contact information but my request was ignored. I have also asked the processor numerous times for his managers contact information so I can share my concerns with him/her. The processor has told me that the supervisor will call me but it has been two days and Ive yet to receive any communication from a supervisor and the processor still refuses to provide any contact information. I am attaching all the email correspondence between myself, the originator ( XXXX ), and the processor ( XXXX ). I  have also highlighted all the pertinent sections of text related to his complaint. 

Thank you in advance for looking into this matter and determining why AmeriSave is not following California law section 18100.5 Mortgage Company Contact Info : AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-23 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: FL

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a suite from XXXX XXXX today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the Bank of America by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to XXXX XXXX and I am now getting documents.

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 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN KEEPS PUTTING NAMES THAT ARE NOT MINE THAT I NEVER USED PHONES NUMBERS THAT ARE NOT MINE

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 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I attempted to pay my XXXX mortgage payment on the Dovenmuehle website as I have always done. I received a message that I was unable to complete my payment at that time. After several attempts with the same error message. Dovenmuehle does not accept phone calls. I reached out to Dovenmuehle on XX/XX/XXXX on their secure message center regarding the situation. As of today XX/XX/XXXX, my message has not been answered. 
My concern was that I was unknowingly placed in a forbearance status after simply inquiring about it. I did not sign the agreement received in the mail because the wording was ambiguous to say the least and I was unable to reach anyone by phone for clarification. 

A check of my credit report shows my mortgage balance increased, which has impacted my credit score. Finally, I received a letter today notifying me that my mortgage is being transferred to another bank after it acquired my loan from the original bank I refinanced through. 

I want answers to the questions raised and have yet to be answered. Why was my account blocked from making online payments when this is the only payment method Ive used? Was my mortgage placed in a forbearance status without my consent, and despite not missing any payments? Why was inaccurate balance information reported to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
I refinanced my home at XXXX XXXX XXXX XXXX XXXX, Az. in the XXXX  of 2020. The lender XXXXXXXX XXXX  XXXX # XXXX, listed the balance on the statement of XX/XX/XXXX XXXX20 as XXXX which included principal and interest and fees. The refinancer Axos bank 's loan XXXX, quoted no fees and listed an incorrect balance of XXXX that they said they got from XXXX. I paid with the XXXX Invoice from XXXX XXXX, ck XXXX on XX/XX/XXXX. They sent back a repayment to me after several weeks. I called XXXX and they said they had also been over paid XXXX. XXXX, and sent me a check for that amount several weeks later which I then sent to Axos on XXXX XXXX ck # XXXX to be used against the balance. I have paid Axos XXXX ck # XXXX, XXXX ck # XXXX and XXXX ck # XXXX. I received an an invoice today XX/XX/XXXX20 due XX/XX/XXXX20 for total due of XXXX with a balance of XXXX and a late charge of due XX/XX/XXXX of XXXX. I have communicated by letter email and phone with Axos with no response to the amounts owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: TX

Complaint narrative:
I am a victim of identity theft. I have obtained a copy of my credit report and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, I sent to all 3 bureaus which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I request that an extended fraud alert is placed on my credit profile. I requested a block all of the fraudulent information listed below from my credit profile, listed on my ftc report in pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
There has Not been no response from all 3 Bureau 's Is been 60 days from the time I notified all 3 Bureaus on the following accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Hard inquiry List .XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/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 2020-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc.
State: OK

Complaint narrative:
No contract with this agency. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
On or around XXXX XXXX 2020, I received a letter from Midland Credit Management about a supposed debt I owed. I was told to send a written dispute certified mail which I did on or about XXXX/XXXX/2020. I heard nothing since, except the signed receipt from the certified mail that is was received by Midland Credit Management. Then today I received received a dunning notice offering a 10 % settlement. I called company. I asked for debt validation. they would not give me a straight answer and avoided question and just said you have to call this department. Then the individual on phone named XXXX XXXX called me a thief. She said and I quote " if you went into XXXX would you just walk out with a color TV without paying? '' I couldn't believe my ears. I feel like she was a calling me a thief. She said there must be a reason you feel that way. Then she said it is not up to us to prove the debt valid it is up to you to prove you don't owe the debt. Wow then another collector jumped on call interrupted me and hung up. I am asking for proper verification of the debt if that can not be provided then i feel this debt should be zeroed out since it is obviously fraudulent in some way. I also think any negative information on my XXXX should be removed as well. Please help me i am alarmed that a company can do this. My credit is important and needs to be protected from preditory companies like this. Especially when located in XXXX a hot bed for Fraud,.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NJ

Complaint narrative:
They is a child support report on my credit report. I do not owe anyone child support

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 2020-09-23 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: NJ

Complaint narrative:
They is a child support report on my credit report. I do not owe anyone child support

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
When called from contact number XXXX asked to take information down. I asked the caller by the name of XXXX to provide me the company name and she refused. She stated she can only disclose the nature of the call to the debtor advised that I am requesting the company name and still refused 4 separate occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX  is stating I filed for Bankruptcy in two different states. I want these bankruptcy 's removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23 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: NJ

Complaint narrative:
They is a child support report on my credit report. I do not owe anyone child support

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 2020-09-23 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: FL

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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