vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I closed on a refinanced home mortgage on XX/XX/XXXX. The old loan and the new loan were with the same mortgage company, XXXX, also known as Dovenmuehle Mortgage , Inc . The Initial Escrow Account Closing Disclosure Statement ( shown in the attachment ) showed that the new loan escrow would open with a balance of {$5100.00} and in XXXX there would be a payment from the escrow account of {$4300.00} for Property Taxes. The new loan account showed the escrow account balance of {$5100.00} when it was set up on XX/XX/XXXX ( the second screen shot in the attached ). This screenshot came from the XXXX website details for my loan. The XXXX Property Tax Payment was never made. I received a Real Estate Tax Bill from my county in early XX/XX/XXXX. I called XXXX and was told to email it and they would look into it. I sent an email with a copy of the notice to XXXX on XX/XX/XXXX. I never heard anything. I then received a Delinquent Real Estate Tax Bill from the county in late XXXX. I called XXXX again and was told to send that. It was sent on XX/XX/XXXX. I called several more times over the next few weeks to try to ensure XXXX was looking at the issue properly and never heard back, always that they were looking into it. My last round of calls started on Monday XX/XX/XXXX to check that it would be paid. The county statement said it needed to be paid by XX/XX/XXXX to avoid additional additional penalties or collection actions. Customer service continued to tell me they see the issue but it would be up to the XXXX Department to take care of it. They also said it would be paid by the end of the week ( XX/XX/XXXX ). As of today, XXXX, it has still not been paid. When I called XXXX on Monday ( XXXX ) they said they would expedite the request to the Escrow department '' but that was all they could do and it was still in process. They also did not commit to sending a check let alone when they would send it. They also only noted that they would " do what they could '' to ensure XXXX covers the late fees rather then saying they would cover the fee. 
On one of my earlier calls the customer service agent tried to say I was responsible for paying the taxes since I refinanced and I had received the amount from the escrow account of the old loan. That is not what happened and I told them that, but I am concerned that the Escrow Department, which I am never allowed to talk to directly, does not see that. 
I am hoping CFPB can do something about this although I am not familiar with regulations related to escrow payments made by the mortgage company. I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Last year I paid off balance on my Visa XXXX XXXX credit card in full. Due to mistake from online paying services fromXXXX  XXXX I still paid XXXX extra, eve though my balance was XXXX. So I called Comenity Bank and requested they send me a check for XXXX XXXX Refund. 
I never received that refund. I called again in XX/XX/XXXX and I was told they will send it end of XX/XX/XXXX. XXXX XX/XX/XXXX I called again and requested a check again. Again they give me run around. 
How long I have to wait to get my XXXX back? 
Is there any government agency that can make them send me refund check? 
They holding my money for 7 months interest free. When I carried balance they charged me XXXX percent interest. They can do anything they want while private citizen like me suffers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX i called SCA collections spoke with agent was able to help me to an exted i request itemeized statement was told yes i will send to your address stated they cant file with my insurance or medicaid. XX/XX/XXXX - i was looking for more information to become resposnsible but not willing to share or help 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
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I paid my vehicle loan off in XXXX of XXXX. I have never received a lien release on this vehicle. I have called the company in XXXX of XXXX to inquire about getting my lien release sent to me. I have called about 5 different times and still haven't received my lien release. I am needing to sell this vehicle and as it is sitting and depreciating for months. I keep being told they are working on it and it is going to be 7-10 business days each time I call. The last time I called on beginning of XXXX they said it was sent on XX/XX/XXXX, which was a Saturday. It still hasn't arrived. And they were going to put another request in that I should have received it in another 7-10 business days. Now it is another month later, which now has been going on 3 months I still have yet to receive this letter to be able to sell my vehicle. And the department that does the lien releases do not take phone calls and are only done via email. And I can not be copied on these emails to know it is being sent. 

Worst customer services I have ever dealt with. And I bought my vehicle in XXXX brand new off a truck. Will never do business with them again.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
I call them and this account XXXX Dynamic recovery. This is my friend XXXX and XXXX dont want to pay and at the time did not had the credit and I had a bill on XXXX that they could not give me the cell phone at all. Unless is goes in my friends name as a main account holder and all. I was telling them about this and should not be taken to the ground because he dont want to pay. It was not my problem that we had a fight and he cant pay this. I dont want this on my credit report and its not right. 
Also she was a smart XXXX. Well I can file for bankruptcy and I had fight get a manger on and than wait like 10 minutes. Than hang up and so I though do this other wise nothing will change. This is the worse collection people that I XXXX with and keep calling me but dont leave a message. I hope this fix there smart XXXX. I want that women to be fired and that manger tp let people do this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have been trying to make a one time payment on my account since XXXX because last month my autopay stopped working for the first time in over a year. I assume this is due to me trying to add {$100.00} towards my principal balance every month on my autopay since that is the only change I've ever made in my account. None of my attempted payments have gone through and my bank has said twice now that they are not seeing any attempt to charge my account. Loancare keeps adding return fees and late charges to my bill and the representatives will just hang up on me instead of helping me resolve the issue. After being told multiple times by a representative over the phone and receiving email confirmation that my XXXX payment went through, it has not. I contacted Loancare via phone today to try to resolve the issue again and got the representative to double check my routing and account information. My account number was incorrect. How is this even possible when I have been on autopay over a year and not touched or changed it at all? You'd think a representative would check those things first if there were an issue but not one person I spoke with actually tried to help me out. Loancare is making it impossible to pay my monthly bill and none of their representatives actually stay on the phone to help. I've also reached out to Loancare via email and they sent " give us a call ''. The least helpful response.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My mortgage was sold in XX/XX/2020 from Ditech to Shellpoint. The new account instructions stated that any pending payments to Ditech would be credited to the Shellpoint account. My next two payments apparently went to Ditech and were NOT forwarded to Shellpoint. I have spoken with Shellpoint repeatedly, and provided bank statements showing that all payments were made on time, and requesting an investigation to trace the payments that were misallocated. While they continue to say they are investigating, they have reported my account as 60-90 days overdue for the past nine months while they " investigate '' in spite of the fact that I continue to pay each month on time. My credit score has dropped almost 200 points for this erroneous reporting, and I received a letter from Shellpoint threatening foreclosure. When I contacted the Point of Contact referenced in that letter, she advised it was a payment dispute, not a foreclosure issue and she could not assist me. I asked to be put in contact with the appropriate person and she only gave me the general corporate email account. I continue to try to reach Shellpoint regularly to learn the status of the investigation and they will not respond. 

Ditech, for their part, apparently updated their online records system and deleted my access to my online account as of the date the note was officially sold. They have no further information they can provide me and continue to tell me to request Shellpoint investigate directly.

Other creditors have cut my limits and closed accounts due to my current credit score, which is based solely on Shellpoint 's misreporting of my account as past due, rather than considering the two misdirected payments independently.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
again i reach out to the phone number on credit report but no answer, disconnect or agent cant share detail information with me about debt - request itemized statement was told but i owe {$1900.00} for something from XXXX nc back in XXXX - no way to send bill to me I have been living here for 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau disputing inaccurate, unverified, erroneous items on my report. As of today over 60 days later I have not received any results nor investigation status. I told each bureau my information was compromised by the XXXX data breach and I feel more than ever that my information may have fallen into the wrong hands. Your assistance on this matter is greatly appreciated. At this point I feel like just another number instead of person. I don't know what else to do.

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 2021-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: FL

Complaint narrative:
I have unemployment benefits from the state of Florida and yesterday XX/XX/XXXX I went to atm to get my daily limit from my card to put in my regular account to cover my rent check. My daily limit is {$500.00}. My rent is {$910.00} a math and still needed to acquire the remaining {$410.00} today on XXXX XXXX. It states I've exhausted my limit for withdrawals and there's ONLY ONE phone number to reach the people who control the card. I called it and there is NO WHERE TO BE ABLE TO TALK TO A LIVE PERSON! ITS ALL AUTOMATED. I've gone through the paperwork for this card on their website and no where does it say it's not only a daily limit but a time sensitive limit. So I don't know if I should start to panic thinking I wrote a bad check. Since I can not gain access to my money. I can purchase stuff. I did withdraw from the account at XXXX yesterday XX/XX/XXXX but I have never experienced a card to go not only by the daily limit but a time frame of 24 hours. By the time someone gets to this or tries to answer me it's going to be too late. I'm just letting you know I can't believe the government has the ability to give the money but not be able to answer questions. It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
XXXX XXXX form and XXXX XXXX form shows outstanding mortgage to be the same for both years, and principal does not agree with payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal cash plus Limited my account I submitted requested info immediately ... after five days and no contact they then closed my account I have called an emailed and they do not care that I can't access my paycheck and I am now about to be evicted from my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
My name is XXXX XXXX and i am a laid off roofer of 26 years and due to the weather in the NE i have had no work. I am about to be homeless and my bills are not paid. I need immediate relief. US bank has my unemployment monies from the last 2 months and my family and i need thus money to survive. On or around XX/XX/XXXX I had changed my home address and my debit card from US Bank was frozen. i have made several attempts including reaching out to my PA state representative XXXX XXXX since the deposits are from PA unemployment and have gotten nowhere. The fact that there are no US bank offices in PA, NJ, NY, Delaware the surrounding states made it impossible to actual go there and straighten this out. On XX/XX/XXXX I finally got through to someone and sent them a picture of my ID and mug shot as requested. I was told it would take 2 days. I am besides myself I have not be able to access my money to support my family nor buy food. After 4 hours today on XXXX i was told that the information i had sent them was blurred and not acceptable. They did not try to reach out to tell me that the information was not legible. i received that information from 2 very non caring individuals one of which was a supervisor named XXXX ( she would not give me her last name ). She had no compassion for my issue and the only relief she offered was to resend the information and wait,. You will notice that US bank 's website does not offer any phone number to speak to anyone therefore the only number i had was the number on the card in which i have spent countless hours waiting to speak to someone only to get disconnected The people at US bank should be held accountable for their actions as they simply do not care if my family eats and she refused to escalate the matter. I am tired of the run around i need my unemployment monies now. Please help

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 2021-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I attempted to close the account on XX/XX/21 which was the date they are to post interest for the prior month. They would not include the interest for XXXX when I asked for it to be closed at the end of the day. I could not schedule the closure for XX/XX/21. I had to come back to close the account the next day. 
I closed the account as they have severe limits and additional charges on being able to transfer funds. The closing process has tied up my funds for an additional 12-15 days befor I can get a check and I must then must go through the delays of waiting for the check to deposit and clear at my new bank. This is clearly a practice to gain the maximum float on my money by Citi. 
Due to their restrictions of $ XXXX per day XXXX $ XXXX per month, I could not do this reasonably paying for a wire transfer fees of {$25.00} per transfer. Dealing with Citi gains no acknowledgement of their deceptive and predatory procedures. There needs to be public warnings on their processes.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: OH

Complaint narrative:
I moved from XXXX to XXXX in XXXX. I had to apply for a new card because I didn't trust some ppl in XXXX. After receiving my card in XXXX a family member in XXXX got access to my account and withdrew money. I applied for another card and have received it. My problem is I'm in a XXXX home and need my account and routing number. I have called direct express and they told me to call social security because I get ssi. Social security told me to call direct express to get it because they cant give it to me direct express has to. I called direct express back still nothing. IRS told me they need it in order to put my stimulus on it. Please help me. I really dont know what to do now. This has happened most recently XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Covid Assistance program, with Chase Mortgage and then sold to a severing company. XXXX. Went on covid assistance in XX/XX/2020, with Chase. They told me that my mortgage was XXXX XXXX and they would take any payments will be put on the end of mortgage end of covid assistance and my payments should continue as normal. The mortgage was then even to spserving. Covid assistance ended XX/XX/2020. Thats when asked to modify my mortgage and start normal payments. I sent all of information to them that was needed. They have said they can only do a repayment plan thats over {$1000.00} per month more than normal payment {$2600.00} per month, normal {$150000.00} per month. This not any assistance program. They all so said that foreclosure should start in 30days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CA

Complaint narrative:
This is not my debt. Initially, I received notification pertaining to five separate accounts from Midland Collection agency/Midland Credit Management. For each of these, I sent letters to MCM requesting GAAP debt validation. I never received any documentation in response to any of my five separate debt validation requests requesting GAAP, which in researching this company further with the XXXX XXXX XXXX, seems to be a common practice for this company to not respond to debt validation requests. Despite not following FCRA laws, they have continued to make collection efforts, including reporting this to the credit bureaus, which they are not legally allowed to do without proper validation/GAAP.. I recently disputed this with XXXX. In response, Midland MCM responded to them and said this debt is valid and sent me paperwork which is just their own claims that I owe this debt, no paperwork showing they have any authority to collect this debt or that I ever owed this debt to the original creditor in the first place, there is no documentation from the original creditor at all to support that this debt is mine or that this debt ever truly existed or that this amount is accurate and the letter I received indicated I do not have any of these original credit accounts on my credit report. It is my further understanding that a California agency XXXX has filed a lawsuit against this company for illegal collection practices such as collecting on invalid debts, never providing proof of debts, never having adequate proof of debts. 
To be clear, this is not my debt, I am not acknowledging this debt, Im asking for assistance in getting these five collection items removed from my credit reports.

Company response to consumer: Closed with non-monetary relief