vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
Was notified XX/XX/XXXX ( XXXX  ) that additional funds were to be provided by me to close escrow in 2 hours or seller was walking. Additional funds included a duplicate payment for flood insurance ( {$520.00} ) and a " Lender required payment '' for a credit card balance that showed up on my credit report dated XX/XX/XXXX which included XXXX credit information ( {$1800.00} on credit card ). However, XX/XX/XXXX, I was formally removed from that credit card as it still belonged to my ex spouse and I have been divorced since XX/XX/XXXX. I have not been liable for whatever balance that credit card may have had since XX/XX/XXXX, as it states in my divorce decree. 

I provided the additional funds aware of the errors to not lose the home as the lender stated they'd fix the errors after. Since I had to leave work early , drive to 2 locations to meet their notary, and because the messy process and errors, the title company ( XXXX XXXX ) also stated I would get a discount of {$300.00}. XXXX XXXX acknowledged the errors and stated they needed approval from XXXX  only for the " Lender required payment '' refund of {$1800.00}. XXXX  stated they needed approval from the Caliber Home Loans Underwriter prior to notifying XXXX XXXX. The underwriter was waiting on a payoff receipt for the credit card prior to approving. It was explained numerous times there would NOT be a payoff, that the credit card was still active but not in my name. I had requested my credit report be pulled again and not until XX/XX/XXXX was it pulled. Even with the new credit report, I was given the run around on if that would suffice and who was handling my open issues. XXXX XXXX is still awaiting approval XX/XX/XXXX and NO one is responsive from XXXX or Caliber Home Loans. 

I have numerous emails going to all 3 companies and the parties that were handling my case with no resolution. It has now been over 3 months and I still have not received my refund totaling {$2600.00} from XXXX XXXX due to the lack in approval from XXXX  and I have not received any response from XXXX  or Caliber Home Loans even after giving them a week notice of filing this complaint if not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a letter to all three bureaus XXXX, Equifax and XXXX  XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: WA

Complaint narrative:
This is my second complaint regarding this company. Midland Credit Management who has sent this to XXXX XXXX XXXX XXXX, XXXX. They are requesting me to pay XXXX to them regarding a XXXX XXXX XXXX  XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from Midland Credit Management stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that Midland had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from XXXX XXXX XXXX  stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My bank decided that they would close out my account when there was money pending to go into the account that I needed to pay my bills the bank claims that there was too many log in attempts and that I owed XXXX $ $ $ and change that I already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Hello, In XXXX i had an unexpected medical problem, i became unemployed and I tried to deal with all my creditors then, while some stayed by my side, others did not. Finally in XXXX I went back to work full time and decided it was time to pay back my creditors. I went with Freedom Debt Relief since they offered a solution, however, I learned through small claims court that since these creditors were old, I could negotiate myself with them. Freedom Debt relief never told me that, also they have charged me. I have negotiated 4 accounts that have been paid. I told Freedom I wanted my money back and they refused. 

I deposited {$8700.00} dollars to date, I've been in their program since XXXX and they can only account for {$3700.00}. Freedom has had a ruling just last year. This company should not be allowed to do business after they have had a ruling against them. I am out more than half I have deposited with not a one creditor paid. HELP. 

Also the company told me that if i tried to get out of their program it would cause serious consequences, which sounds like a threat to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
We are in process of refinancing our loan with a new lender. Our new lender requested the payoff quote from XXXX XXXX  several times via, email, fax and phone from XX/XX/XXXX - XX/XX/2020. On XX/XX/XXXX they enlisted my help due to non-response from our lender and I called twice trying to get payoff information. MUFG was uncooperative. They would not provide me with the payoff request, even though I am the borrower. 
After speaking with managers and supervisors the payoff request was finally send to the new lender. However, due to the delays on the part of MUFG, we came up on the deadline of our rate lock and the extension ended up costing us an additional {$720.00}. This was entirely on the blame of MUFG as they waiting nearly 2 weeks to get us the requesting information and we have everything else lined up and ready to go to underwriting.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
Prior to contacting Kay Jewelers about my lost credit card, I contacted a number XXXX. When giving information to look up my account, the lady notified me that she was unable to find my account and I dont have an account with the company, which I have for years and I never canceled it. She then insisted that I give her my entire social security number to look up my account, which I refused. She informed me there no other way to look up my account. I believe that this was an attempt of fraud in obtaining my social security number. I was able to locate another number for Kay Jewelers customer service where they were easily able to locate my account with out obtaining my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: OR

Complaint narrative:
This is the 4th or 5th complaint I've been required to file around the PSLF program. The most current issue is that despite having received a document directly from FedLoan in XXXX with verification that all 120 qualifying payments had been made for the PSLF program and having qualifying employment, my PSLF approval continues to be delayed for no clear reason. My most recent attempt at getting approval began XX/XX/XXXX when I applied then received a message from XXXX on XX/XX/XXXX stating they didn't like my electronic signature so that same day I provided them with a new signature on the PSLF application. I received a message two weeks later XX/XX/XXXX from FedLoan again stating that they've received my PSLF application. Months passed and I heard nothing so I contacted FedLoan customer service on XX/XX/XXXX and inquired on the status of my PSLF application and expressed confusion over why it was taking so long to process when I had completed my 120 qualifying payments back in XX/XX/XXXX and FedLoan had already provided me with documentation of this. The FedLoan customer service staff told me that my PSLF application ''had been approved just that day and the letter was so hot off the press she couldn't even access it to read it ''. She stated that it was ''mailed out that day ''. I confirmed several times with her that it had been approved and she stated that the only reason '' FedLoan was unable to make the loan balance zero right now was that they needed Department of Education Approval first. '' Although this was a strange explanation and a literal ''check is in the mail '' response, I had no choice but to accept what information was provided. It's now been 10 days and I've received nothing, either electronic or paper on the status of my PSLF application. I should've been done with all of this in XX/XX/XXXX but here we are in XX/XX/XXXX still having everything drug out with zero explanation for why FedLoan continues to delay my PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I am having trouble with getting a loan modification completed with my Morgage Company ( Nations Direct Mortgage ). I submitted a request to be taken off of forbearance back in XX/XX/2020 when I went back to work from being furloughed. I was originally told we would receive a package in the mail that we would fill out to complete the mitigation & that options would be provided to us for the repayment of the amount we owed for the two months forbearance we applied for. That package never came so I contacted them again asking for it to be emailed in which they said they would do. Still no email was sent. XXXX morgage statement was sent to us with the full amount due for the two month plus current months mortgage so we promptly called again because now it was reflecting derogatory on our credit report. The rep that assisted suggested we email XXXX To voice our concerns with them reporting late payments to the credit bureau since we had not rightfully been given the opportunity to repay the amount owed. He mentioned that our account was not late because it was their delay in getting the mitigation 's settled & not to worry he would send in a request as well on our behalf. He also stated at that time we were under review & should revive an answer with the next week because it had been 30 days. Fast forward to XXXX still no response had been given to us other than our account was under review & still waiting to be processed. We have called week after week to try to get this resolved and no one can assist. We wait on hold for hours while they " review the account '' then they say it's been passed to a manager & they will contact you in which they never do. I have called every month & can not resolve this. We are now well past 120 days of waiting to settle our mitigation. It has gotten to the point where they have stopped allowing us from making our monthly payments on the portal because they state the account is under review & that's been for two months now. We had to set up bill pay with our bank in order to send them our money. I can not spend anymore time or emails in getting this resolved. I need your assistance please. I have uploaded various attempts in us contacting them even up to today when I sent a screenshot of my call log where I waited 17 min on hold before they hung up on me while they were supposedly " researching the account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
Sunrise Credit Service opened a collection account on XX/XX/2020 claiming I owed XXXX mobility {$390.00}. On XX/XX/XXXX I called XXXX to dispute this information on my credit report as fraudulent

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 2020-11-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NC

Complaint narrative:
Concern # 1 : Communication Due to the low interest rates offered during the pandemic, I understand that you all are very busy at the time. My mortgage counselor has been great but often it has been difficult to get in touch with her due to the increased volume. Furthermore, I noticed that the mortgage counselor acts as a middleman between me and the underwriter which prolongs the process. If possible, it would be great to communicate directly with the underwriter so I can provide them with the documents needed. This will make the overall process to be approved for the loan faster. 

Concern # 2 : Underwriting Process The underwriting process has been very frustrating. My mortgage counselor gave me an action plan and listed all the documents needed to be eligible for the loan which I provided. However, my mortgage counselor has submitted my application at least three times to the underwriter and each time they come back with new information that I need to provide. This prolongs the process of me being approved for the loan. Someone should look at my profile in its entirety and make a final determination of all the documents needed to move forward with the process. The information that NACA needs should not be staggered as they have been providing me. It is disappointing when I ask my mortgage counselor if I will be approved and she responds with a yes. Only later to find out that I am not approved because the underwriter needs additional information. 

In all fairness, I believe my application is not complicated and that I should have been more ahead with this process. I am very eager to be a homeowner and am usually able to respond to you all in 1-2 business days. I am hoping to be approved for the loan by the end of XXXX. 

Please reach out to me directly if you have any questions or concerns. I can be reached by phone at XXXX or by email at XXXX. Thank you for your consideration. 

Best, XXXX XXXX NACA ID : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. 


Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. 

Please provide the following : 1. Detail of what the money I owe you is for. 
2.How the amount you claim I owed was calculated. 
3.Copy of your agreement with the original creditor. 
4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. 


Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. 

If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. 

Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. 

If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.

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 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery will call this number using a program that blocks the number they are calling from up to twenty times in less than a minute. I can tell they are using some kind of robo call technology.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
This company is reporting three unknown accounts on my credit report. This is an unfair practice of this company. I have called them several times and they claim they can not find these accounts with my social security number. How is it possible when they are reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PennyMac is not adhering to default servicing guidelines and is providing me with loan modification terms that have expired. Since COVID hit the US, I have experienced financial hardship with my loan servicer company. I was offered a forbearance and requested loan modification loss mitigation options to bring my loan current. Filled out the information online and did not hear back from the company. Went out of town to assist my XXXX year grandfather with medical issues. Upon my return, I received a soaked loan modification package that had been left in the rain. The terms are not legible and unable to make out the loan information. Please note, this information was not communicated to me by my SPOC which is concerning. When I called PennyMac I was transferred numerous times to unqualified representatives that could not assist me. 

Most important my XXXX XXXX XXXX has not contacted one time throughout this process which does not adhere to CFPB and OCC guidelines. Today, I received another loan modification package with states loan documentation must be notarized and accepted by XX/XX/XXXX, and first payment due XX/XX/XXXX which was 9 days ago. REALLY!! I would like a new loan modification package to be sent to me and first payment due on XX/XX/XXXX. I really don't know if I need loan modification but PennyMac has not provided me with information to explore my loss mitigation options. THIS TREATMENT IS UNFAIR AND DISCRIMINATORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
This compliant is about my mortgage company - NEWREZ a.k.a Shellpoint Mortgage Servicing. They are denying me access to the forbearance program as setup in the CARES ACT Forbearance & Foreclosure. 

Shellpoint put my loan in the forbearance program in XXXX and I did not take advantage of it because I didn't need it then. Now that I have requested to be reinstated in the program, Shellpoint Loss Mitigation Department has been giving me the run around. 

I have spoken to at least 21 customer service representatives in Loss Mitigation from XXXX to now to get my loan setup. I have been told by different customer service representatives that they either see my request and pending approval or they don't see my request in the system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: SC

Complaint narrative:
THESE ACCOUNTS ARE FRAUDULENT AND DON'T BELONG TO ME.

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