vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
We have spent a frustrating portion of this summer attempting to obtain a full accounting of the servicing of our loan and a payout figure effective XX/XX/XXXX. Over the past 3 months, we have spoken to multiple representatives at Mr. Cooper and have sent numerous inquiries through the Mr. Cooper website in an effort to obtain accurate Information. Each time, we request to speak with a supervisor and they have yet to be available or return out calls. Twice we were disconnected after waiting for more than 45 minutes to speak with a supervisor. 
On XX/XX/XXXX, we received an email from the Subordination Department attaching a schedule showing a {$160000.00} balance and a XX/XX/XXXX maturation date. On XX/XX/XXXX we received a second email from the Subordination Department showing a {$44000.00} payout balance and a XX/XX/XXXX maturation date. The following week we received yet another document, dated XX/XX/XXXX reflecting a payoff balance of {$160000.00}. Not only are these values egregiously inaccurate and embarrassingly incongruous, we still havent received the full accounting for the loan that weve been requesting since XXXX. 
Since this loan was originated, we have made an additional monthly payment of principal only in the amount of {$250.00} each month. These extra principal payments should have significantly accelerated the payoff of this loan, but Mr. Cooper shows no evidence that these payments were properly applied and accounted for. Clearly, we have lost all confidence as Mr. Cooper has demonstrated that this loan is being mismanaged and improperly accounted. 
As we continue to be ignored by upper management and receive conflicting information, this correspondence constitutes our final effort to obtain a full and proper accounting of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I worked payment arrangement out with the company and wasn't suppose to receive a 30 day late. XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAC Financial Corp
State: OK

Complaint narrative:
XXXX XXXX XXXX negotiated a debt payment plan with me XX/XX/XXXX. I have paid $ XXXX, as agreed. The business office has called over the years since the plan was set up asking me to renegotiate. Last year they stopped providing me with statements. When I asked for a statement, they sent one by email that I am unable to access. I still made my payment on time every month. I received a letter in XX/XX/XXXX from CAC Financial stating my account had been turned over for collections. I do not have a payment plan with CAC and do not wish to negotiate one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}

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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened a new account with TD Bank, and had my direct deposit from my check sent to the account to fund the account. I called after my check was paid to me to find out about why I couldn't access my funds. I was told they needed to verify my identity in person, since I opened my account online. 

This would be no problem except closest branch is 3.5 hours away from me!!!!!! 
Why would they allow me to open an online account when they want me to come into an actual branch and they know the closest branch is 3.5 hours away!!! 

They refused to take the hold off my account or to send back my money to my employer, and told me that I would need the employer to reverse the funds. 

I attempted to get my employer to reverse the deposit and they attempted but told me the reversal failed. The amount in questions was {$1600.00}. They are literally holding my money XXXX at this point. 

The account in questions is for me XXXX XXXX XXXX XXXX routing - XXXX Account - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC
State: CA

Complaint narrative:
Data is not showing current information with Corelogic Rental Property, XXXX and SafeRent. 
XXXX XXXX XXXX was paid in full attached proof of verification items were paid in full on XX/XX/19.

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 2020-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC
State: IN

Complaint narrative:
I took out a construction loan from Hallmark Home Mortgage LLC that closed on XX/XX/XXXX. We started building a home soon thereafter. When we went to close on the permanent financing for our home loan with a closing date of XX/XX/XXXX, we were shocked to find out that Hallmark Mortgage LLC charged us {$750.00} per month to extend our construction loan. We paid monthly interest to Hallmark and received a statement each month and paid the amount owed. Never was a {$750.00} per month charge disclosed to us at our closing. I approached Hallmark Home Mortgage LLC and the representative we dealt with, XXXX XXXX, and he said that those fees would have been waived had we chosen them for our permanent financing but since we were financing our loan elsewhere, we had to pay them. Hallmark Home Mortgage LLC waived one month of fees but we were forced to pay the remaining {$4500.00} in fees in order to have the construction loan paid off and our permanent financing put in place. I asked XXXX XXXX to refund these dollars since they were never disclosed to us at the closing of our loan nor did we sign any document stating that these fees existed. We did not hear back from him after his initial email that he would ask his Manager. I have a copy of all of our closing documents and monthly statements and there is no mention of this fee anywhere in these documents. I am attaching a copy of a monthly interest statement received from Hallmark Home Mortgage LLC as an example.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Direct Recovery Services, LLC
State: MI

Complaint narrative:
They called my sister on XX/XX/XXXX or XX/XX/XXXX. The called another family member on XX/XX/XXXX. 
Said there name was XXXX and they were leaving a message for XXXX XXXX and that she owed XXXX but they could break it down to XXXX oor XXXX account number XXXX but nothing with who the debt is about. 
I could call them back at XXXX didn't catch it all. but Said they were calling from Direct Recovery Services and i could go on line to contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have mortgage account with XXXX XXXX ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked XXXX bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that XXXX bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ID

Complaint narrative:
We paid off our lease, and our leasing company Toyota Financial Services failed to transfer the title for our vehicle to us. It has resulted in me and my husband getting stuck in a bureaucratic nightmare, compounded by the fact that we have now moved out of state. 

We were customers of Toyota Financial Services when we lived in XXXX   XXXX, we leased a XXXX XXXX Hylander. XXXX # : XXXX. We were good customers, and we satisfied all of our lease obligation / payments, and paid it off, then we opted to purchase our vehicle at the end of the lease. We have received this letter noting that the lien was satisfied by Toyota Financial Services but after calling multiple times they refused to take any further action to transfer the actual title to us. We never received a copy of the title sent to us when we made our final payment. 

Now, we've moved to XXXX and realized that we need a copy of our title to register our vehicle. The issue, is that Toyota Financial Services never transferred the title to us in XXXX state. The company failed to file a statement of lien satisfaction or notice of recorded Lien ( Form MV-901 ) with the state. We also need an application for Duplicate Certificate of Title ( MV-902 ) sent to the commission of motor vehicles. Please see the attached denial letter for a duplicate title from the XXXX Department of motor vehicles dated XX/XX/XXXX stating that the title was issued to our leasing company and that it was not properly transferred to us. 

I have spent over 5 hours on the phone with Toyota Financial Services and in turn with the XXXX Dept. of Motor vehicles, writing, calling, and emailing both of them to get this resolved. 

Simply put, we paid off our car, we own the car, period. I am so exasperated at how we have been treated as customers in what should be a routine process, I am at my wits end. 

Attached evidence : ( 1 ) Notarized satisfaction of lien release from Toyota Financial Services, ( 2 ) Denial letter from the Title Services Unit of the XXXX State Department of Motor Vehicles, ( 3 ) expenses we have incurred attempting to resolve the issue. 

Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
This company is scamming us to charge late fees. My husband recently had our loan assigned to United Wholesale Mortgage. Our previous 2 servicers ( XXXX XXXX and XXXX XXXX ) had no issues apply our payment over 2 payments. We have always sent half the amount 2 weeks before the due date, and the remainder a few days before the due date. This is how we have been able to budget our finances for years. We were surprised to receive a letter dated XX/XX/2020 with a check enclosed for the payment we sent in mid XXXX for our XXXX payment. It was like a slap in the face to see that they also charged us a late fee. We are in a pandemic, many people are struggling to pay their bills yet we strive to pay ahead of time and the company can't figure out how to properly process our payments. We called the customer service line and received no help whatsoever. They were useless. We spoke to " XXXX '' and " XXXX ''. I asked to speak to a manager and I was told they would have to call me back. I waited 8 hours for someone named " XXXX '' to call me back and they never did. I sent an email to their " customer advocate '' and received a call the following business day from " XXXX ''. She told us she would apply the payment that had previously been applied incorrectly but she couldn't do it until we were ready to make the XXXX payment. She said to call back at the beginning of XXXX and they would do it. Today is XX/XX/XXXX. We have called 4 separate times to make our payment and they have all said they can't do it. 3 different people ( XXXX, XXXX and XXXX ) have promised to have a supervisor call back and they never have. I've asked to speak to XXXX and I was told told they don't know who she is. I asked to speak to the people I have named off here, and none of them know who the other is. We are now in danger of being charge another late fee in spite of trying to pay ahead. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NY

Complaint narrative:
I ask for deferral for my loan due to covid 19 in XX/XX/2020 lending club granted my request and deferred my loan for the month of XXXX and the month of XX/XX/2020. My automatic payments started back up in the month of XX/XX/2020 on XXXX XXXX a payment went through, XX/XX/2020 a payment went through, XX/XX/2020 a payment went through and every month since XXXX i get a letter saying I'm delinquent in making my payments. and I'm getting a hit to my credit report. 
I'm up to date with my payments and they should stop the attempt to collect a debt mail and phone calls.And lending Club need to fix my Credit report. 
I spoke to an XXXX and was cut off then I spoke to XXXX today XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I received a Closing Disclosure from Quicken Loans in XXXX with a closing date of XX/XX/2020. XX/XX/XXXX passed and we did not close until XX/XX/XXXX. My settlement agent said that it was Quicken 's fault for the delay, likely due to high volume of loans at a time of low interest rates. At closing, the origination fee was {$1700.00} higher than the original disclosure statement. It was after hours on XX/XX/XXXX when I signed, and no one was available to explain. 

When I did complain within my 3-day rescission period, Quicken "  slow-rolled '' me by delaying its response until after the rescission period passed. Then my loan officer conferred with his supervisor and agreed that our CD numbers had in fact changed. He referred me back to a XXXX number at Quicken where I eventually reached an executive team member who advised me that my rescission period expired the day before. 

On XX/XX/XXXX, the executive team member told me that he reviewed the facts and that they did not entitle me to relief because they were allowed to change the terms of my loan due to the XX/XX/XXXX closing ( lock-in ) date passing. My complaint is that if Quicken was going to fail to close on the date they selected ( XX/XX/2020 ), and then unilaterally change my loan conditions in order to to keep the same interest rate, they were required to tell me in advance in a NEW closing disclosure statement what the new terms of the loan were. It changed the CD by increasing our loan costs by {$1700.00}. 

In addition, my settlement agent reported difficulty with the processing team at Quicken, and said that she was told to " just put in the numbers the they told her, '' even though she was telling them they were wrong. 

To sum up, Quicken is a big company that couldn't close the loan on time, then raised my origination fee without telling me. Then the big company passed me off from phone tree to phone tree until my rescission period had passed, and afterwards denied me a {$1700.00} credit without explanation. It was dishonest, and what happened to us is exactly what closing disclosures are designed to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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