vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My family and I are going through a difficult and stressful  situation made even more stressful by my new mortgage holder, M & T Bank. Just before XXXX last year we discovered that our dishwasher was leaking for quite some time. It was to the extent that our kitchen and adjacent bathroom floor were damaged, and mold had started to grow. The workman who discovered the leak advised us to contact our insurance company. The insurance company sent in teams to block off the kitchen area, remove the counters, flooring, and to conduct mold abatement. When this was completed and the tests came back negative, the insurance company recommended a contractor, XXXX XXXX XXXX, to reconstruct the kitchen and bathroom. We signed a proposal with them and they were scheduled to start after the XXXX holidays. 

On the day the contractor started work, I paid {$2500.00} towards the half of the {$31000.00} we agreed to pay them at the start. The remainder will be paid when the work is completed. Around that time we received a check from the insurance company for {$24000.00} made out to myself, my wife XXXX, and M & T Bank. 

XXXX took the check to the M & T branch in XXXX XXXX to get it endorsed. They refused and instead gave her a number to call. They also advised her to get a home equity loan. XXXX called the number and was given an address and information to mail the check along with several documents. She complied, endorsed the check, and posted it with the documents. This was over five weeks ago. During this time, we received at least five calls from the bank requesting all manner of seemingly unrelated additional documents : some documents we already sent to them, some documents we don't possess, and some documents that are completely unknown to us. 

We sent the check to be endorsed and returned so that we can pay the contractors for their work. Instead, M & T Bank cashed the check and is now holding on to the funds. As a result, work has stopped on the repairs and my family and I are without the use of a kitchen and a bathroom, 162 days and counting. We are unable to even accommodate our son with XXXX at home because of this situation. Given the current state of affairs and the restrictions brought about by the coronavirus outbreak, there is no telling when our hardship will be resolved. All this difficulty my family is facing could have been avoided if the bank had done the right thing in the first place. 

To make matters worse, the insurance company refuses to compensate us for the continued inconvenience, even though it is a coverage included in our policy. 

We would greatly appreciate any help or advice you can provide.

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 monetary relief
Consumer complaint received 2020-03-23 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: DISCOVER BANK
State: CA

Complaint narrative:
My Discover Card debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both Discover and XXXX, have filed investigations with XXXX, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I am receipt of the Servicer 's letter dated XX/XX/XXXX but having difficulty processing the following statements : : On XX/XX/XXXX, funds were received in the amount of {$300.00}, for the XX/XX/XXXX, monthly payment of {$350.00}, which was short {$47.00}. In addition, they requested If you believe a payment other than those indicated in the enclosed payment history has not been applied to the account, you may provide documentation such as a copy of the front and back of the cancelled check ( s ) or money order or bank statement reflecting full details of the cashed payment, to the address listed in the letterhead above, for further review. 

First, my complaint was not addressed I provided the Servicer with a copy of the money order dated XX/XX/XXXX along with receipts for money order purchase and priority mail delivery. 
Second, I did not receive a payment history record from the Servicer as they stated, nor do I require one. I have been making payments of {$350.00} since XX/XX/XXXX. Therefore I am well aware of the amount of forwarded payments. Third, The Servicer clearly does not want to admit an Error has occurred on their behalf. Instead they redirect or cover the matter at hand. Lastly, I am requesting a copy of my money order received by the Servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
I have called my mortgage servicer Guaranteed Rate ( XXXX ) multiple times to verbally testify to financial distress related to the COVID-19 outbreak and they refuse to speak with me. When I call now my calls are disconnected automatically. 

The website as well as the automated message at the beginning of the call instruct me to apply for hardship assistance through a separate website ( XXXX ), which I have done, but after applying I discovered that I must submit multiple documents in order to show financial distress. Based on comments made by XXXX XXXX, the director of the Federal Housing Finance Agency, which oversees XXXX and XXXX, it is my understanding that people in financial distress because of the coronavirus can just verbally testify to that over the phone with their lender. 

This is not the case with Guaranteed Inc, and for this reason I am filing the current complaint. I believe they are intentionally not answering phone calls in an attempt to prevent borrowers from asking for hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I negotiated a refinance loan with Chase mortgage and after getting the figures I was asked for a Good Faith Deposit. A couple days later they changed the terms from 100 % financincing to 95 % .i disputed the charge and they wont give me an answer.the agent told me on phone that i misrepresented value of home which I did not.i never gave them a figure.since they record the calls I asked for proof but they refused. I am a victim of classic bait and switch and I need your help.the amount is XXXX dollars. Y understanding is if any part of a contract is changed both parties must agree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: LEXISNEXIS
State: MS

Complaint narrative:
I just received a weird response from Lexis Nexis. They stated they are not held to the FCRA - which is laughable. There are 100 's of case laws I found where Lexis Nexis was sued and loss under the FCRA. Some of those cases are ; Smith v. Lexis Nexis ; Graham v. LexisNexis ; Berry v. Schulmar ; Spokeo Inc V. Robins ( class action suit LexisNexis loss which the judge clearly stated : " LexisNexis has no free pass from FCRA liability. '' They did not respond to my request in the required 30 days ; thus, the bankruptcy information must be deleted under the FCRA which they have to honor by law. To write a letter stating they are not under FCRA law means either whoever responded does not know the law or they are trying to skate around the violation. They failed in compliance under the FCRA ; thus, the bankruptcy must be deleted from LexisNexis. My next step is FTC, and AG compliments if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I obtained a Loan to go to XXXX XXXX XXXX Mo, for XXXX XXXX in late XXXX. It was approx. {$10000.00}. I had a federal student loan. Later in in XX/XX/XXXX I went to XXXX XXXX College in XXXX Missouri for XXXX, obtaining my XXXX. I have placed loan on deferment from XXXX to do this. Navient bought out my loan from XXXX. I still after almost 30 years of paying loans have a balance of $ XXXX amount of dollars. I feel Navient is misusing my payments!!!! This should have been paid off along time ago. The young lady today told they take the payment and apply to interest first. I can not afford a large $ XXXX  monthly payment, I am a single mom and sole provider for my house. 
I know there are lawsuits out there due to Navient misuse of funds. Please help,,,,, how is it you can buy a car for {$30000.00} and pay off in 5-6 years but a student loan can not be paid off in 30!!!!!  PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX  deleted from Equifax & XXXX credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF XXXX  CREDITCARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OK

Complaint narrative:
I received a letter from United Wholesale Mortgage on XX/XX/2020. This letter advised me of transfer of servicing to XXXX XXXX. I havent received any notification from XXXX XXXX. This is in violation of the notification process. I have a VA loan that has never been delinquent. In this letter it advises me that transfer will be effective XX/XX/2020. I normally make payment on the last day of the month and am concerned that when I make payment to UWM that the XXXX payment will get lost in transfer making my new account with XXXX XXXX. Late. I have done research on XXXX XXXX. They have the worst rating of service in the Mortgage industry and have hundreds of complaints that have given me concern. As a Veteran Consumer it is absolutely the worst fear I have to lose my excellent payment record. 

This company XXXX XXXX must be investigated for all the difficulties that have been complained about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been disputing incorrect items on my TransUnion Credit report. I have directly contacted the creditor, XXXX XXXX XXXX XXXX XXXX to verify that these 2 accounts are NOT Adverse accounts and have actually been paid off in good standing, never late and paid in full by myself. I filed the first dispute on XX/XX/XXXX and verified that these accounts were paid in full and NOT closed due to a Bankruptcy. Transunion did not change the status of these accounts. I filed another dispute on XX/XX/XXXX and mailed in more supporting documentation ( Bank statements showing both accounts paid in full, Mortgage Refinancing documentation that showed funds from my refinance paying off one of the XXXX XXXX accounts, Chapter XXXX documentation that verified that XXXX XXXX was NOT a creditor in my filing, as I paid all XXXX XXXX accounts outside of the Chapter XXXX ). They again, have refused to change these accounts on my credit report. I contacted the manager at XXXX XXXX XXXX XXXX XXXX that personally contacted Transunion and verified that all of my accounts were/are in good standing and paid in full. Again, Transunion will not change the status of these accounts. I filed another dispute on XX/XX/XXXX with the writtten documentation from XXXX XXXX XXXX XXXX XXXX that these accounts are in good standing and paid in full. I spoke with Transunion representatives both on XX/XX/XXXX and XX/XX/XXXX and they told me they are not changing the status of these accounts, even with files and files of documentation from bank statements, formal written communication from the credit union, etc. Transunion refuses to change these accounts and therefore, I wish to file a claim against them and if not satisfied, I will then proceed with filing a legal lawsuit again Transunion, as it has now cost me thousands of dollars lost due to the decrease in my credit report score. I have included in this form, all of the documentation I have sent Transunion, including bank statements showing payoff dates/amounts, refinancing paperwork showing payoff to XXXX XXXX on the second mortgage account, Chapter XXXX discharge ( XXXX XXXX was never a creditor in this case, as I paid all XXXX XXXX accounts myself ) and a written statement from XXXX XXXX that these accounts were paid in full and NOT closed due to the Bankruptcy.

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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing a second complaint with CFPB against NewRez dba Shellpoint because CFBP closed my first complaint XXXX while not one of my concerns were addressed by NewRez dba Shellpoint.

I am disappointed that CFPB would close my complaint without ANY rele
vant response from NewRez dba Shellpoint. 

Please see my first complaint filed with CFPB, complaint number noted above. 

In a nutshell : On XX/XX/XXXX, NewRez dba transferred a mortgage totaling {$380000.00} ( account number XXXX ) to me as the mortgage holder and owner of a property when I did not own the property and the first deed of trust loan was more than satisfied and paid off to a XXXX   balance. 

NewRez dba Shellpoint said in their response to my first complaint that there was a zero balance on the mortgage/loan under my name XX/XX/XXXX when the property was sold. I did not sell the property on that date because I was not the owner. Again, my loan had shown a zero balance XX/XX/XXXX. NewRez dba transferred the new loan to me in error. I was not the owner. 

I had received a XXXX, IRS form 1099A from XXXX, that I have submitted with this complaint that proves that the property was owned by XXXX XXXX XXXX XXXX  XXXX after XX/XX/XXXX. I filed that correct IRS form 1099A for XXXX with my XXXX federal and state taxes. 

To my horror, I received a XXXX IRS form 1098 in XX/XX/XXXX from NewRez dba Shellpoint (  NewRez had purchased XXXX ) showing me as the owner/mortgage holder. NewRez dba Shellpoint in their response to my first complaint CFPB XXXX that the IRS form XXXX, 1098 was sent to me by mistake and I should ignore. This is not acceptable. I can not and will not ignore the XXXX, 1098. I demand a corrected form showing my name with a XXXX amount in box 2 (  Outstanding Mortgage Principal ) and no date in box 3 ( Mortgage Origination Date ) and XXXX amount in box 10 ( Other, because I did not pay into an escrow account for property tax of {$2100.00} ) and no date in box 11 ( Mortgage Acquisition Date ). As the provider of the XXXX, IRS form 1098, NewRez must follow legal IRS procedure, send me a corrected form and can not not simply tell the me, the recipient and taxpayer, to " ignore '' the form. 
I have filed complaints against NewRez dba Shellpoint with the Attorneys General of Pennsylvania, California and South. Carolina.

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 2020-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I could not open an IRA account in the branch and was told to do it online. I opened it online ( told it could take up to a week to be opened ) and now that it is open WellsFargo will not give me the account number over the phone ( it is masked online ). I need the account number to roll over my 401k over. I was told I have to wait for my opening deposit receipt in the mail ( another 7 days ) to get the account number. I asked if I could walk in a branch and get the number and they said yes. Now I have to go in the branch and risk being exposed to the Corona virus just to get the account number. I am beyond frustrated. Everyday I wait to get the funds transferred I am losing money and now I have to risk my life.

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 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
After an XXXX account analysis, New Rez Mortgage company raised my monthly payment from {$1000.00} To {$1400.00} for XX/XX/XXXX payment. The payment increase is partially due to the over payment of taxes to XXXX County, Maryland by New Rez. 
On XX/XX/XXXX New Rez had paid {$1600.00} for taxes of XX/XX/XXXX through XX/XX/XXXX. Then I received another bill from the County for taxes. I immediately forwarded the new bill to New Rez through a fax on XX/XX/XXXX. In this bill the County acknowledges the receipt of the aforementioned payment, and had requested an additional payment of {$45.00} for the shortage. 
Instead of paying the requested shortage, on XX/XX/XXXX New Rez forwarded {$830.00} to the county. The county refunded the surplus of {$790.00} to New Rez on XX/XX/XXXX. So far, New Rez has repeatedly states that they don't know why the refund has not been applied to my screw account.

The Rez XX/XX/XXXX XXXX  account analysis is based on this over payment, in addition to projection of this over payment for XX/XX/XXXX.I have called their customer service many times over, and their customer service hang up on me because they are not competent to answer the simplest questions. 
I have also requested in writing for separation of XXXX account, so that I can pay my tax and insurance in a trouble free manor. So far not only they have not responded to these requests, but also have sent me an inflated bill of {$1400.00} for XX/XX/XXXX. 
Last year I complained to your agency for the similar XXXX account problem. Although New Pen fixed the problem, and I had paid my regular monthly payments each month,. they charged me 2 month of the late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NY

Complaint narrative:
Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: FL

Complaint narrative:
I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX XXXX XXXX XXXX and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX XXXX XXXX XXXX department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX  XXXX XXXX XXXX and State of Florida XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.

Company response to consumer: Closed with explanation