vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I started a refinance with Loan Depot ( XXXX XXXX ) and was given a quote and he asked for money upfront for appraisal and credit report. He then told me that my appraisal would be refunded at the close. With all the estimated closing statements I asked about the refund and they told me that would happen at close. We finally funded on the XX/XX/XXXX and there was no credit for the appraisal. I have called the LO several times and he does not return calls or emails. After filling out their survey I did receive an email that said my appraisal was credited but when I asked where they said page 2. There were no appraisal credits on any page. I am just trying to get them to honor their word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX as the of procedure that utilized to foreclose on my home in XX/XX/2015, and which is a violation of due process as follows : 1. There is an assumption by the court that you want a free house and not paying your mortgage. 
2. Yet the court procedure takes a few minutes with the judge and plaintiff doing all the talking.

3. The court did not allow me to cross-examine or question the plaintiff.

4. My motion and plea were ignored by the court.

5. The rules of the court were compromised in favor of the plaintiff.

6. Dates were set by the court for making the decision in plaintiff favor.

7. The alleged original note endorsed in blank was presented in court by the plaintiff to my surprise, and when I tried to question the plaintiff on the note, surprisingly the strikes gravel on his desktop, Your house would be sold in 60-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
I went to mortgage company confused about escrow account. Looked online no escrow analysis, I attached documents and asked them to tell me why there was a difference in what we had on HUD to collect for impounds and what was deposited? Also at the end of 2018 there was {$3200.00} in escrow then in XXXX escrow only has {$430.00}. Total PMI paid {$870.00} for 2018 and {$610.00} for taxes totaling XXXX. where is the remaining escrow balance? No body told me i had an excess escrow balance ( XXXX ) mortgage company informed they paid my supplemental taxes county told me fund s were short and they returned check to mortgage company. they also sent me a check which I returned because i wanted the accounting of my escrow account correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I took a refinance mortgage with Quicken Loans Inc on a condo unit I owned in XXXX about two years ago. I was making a payment of {$620.00} a month. On XX/XX/2019 I received an email notifying me that my taxes on that property were paid, which was odd because I always receive the bill from the City and pay my taxes. I contacted Quicken Loans via email and they told me that they received an undelivered mail from the city that prompted them to establish the escrow on my account and pay the taxes and also increase my monthly mortgage payment. I told them that bill must have crossed in the mail and I also told them that I went ahead and made the payment in full on the taxes on the city website. I provided them the receipts of the payment via email as asked them to removed the escrow as it will mess up my online banking. I provided them the contact number of the City of XXXX and told them that the clerk confirmed to me that Quicken could verify my payment with a phone call. All they need is the account number associated with the property. They got back to me and said they could not do this and the escrow will remain on my account because they have the right to establish it. I asked them to put my account in dispute and to provide me with the proof that they have the right to establish an escrow account and increase my monthly payment without my knowledge but they never did. I also ask them to provide me with the agency they use for arbitration but they got back to me and said there is no process to dispute this via arbitration or any other way. A few weeks later I started to receive late notices stating that I was delinquent on my loan even though I was making my regular $ XXXX monthly payment 30 days in advanced and I have never been late. This payment was automatically setup from my bank account to go 30 days before the due date and it is still going out every month. 
I tried several channels including calls, emails to try to resolve this issue but no one at Quicken seems to make any effort to resolve this issue. Quicken has been reporting me as delinquent every month since XX/XX/2019 because of the shortage from the escrow account they established. My credit score dropped more than 100 points when Quicken started to report me as delinquent. They also keep charging me every month a late payment and sending me notices of foreclosure on my condo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank has made a hard pull on my credit report on XX/XX/2019. I immediately notified them. They informed me that an investigation would be performed. The results from that investigation was that they made an error and that they would remove the hard pull from my credit report. I have spoken withXXXX, XXXX, XXXX, XXXX. I have also reported the information to the XXXX twice because, even after they admitted to the mistake, they have yet to correct their error. I have correspondent with them via phone, email and letters. I also have a recorded conversation with them. It is now XX/XX/2019 and they have not removed the inquiry that they made on my credit report. I have now had to freeze my credit reports to ensure they do not attempt to pull my report again. 
XX/XX/2019 XX/XX/2019 I contacted Synchrony Bank to let them know of the error. They told me to send a copy of the report to show the error and I did. 
XX/XX/XXXX : Company tells me it will take 6 weeks to finish the investigation XX/XX/2019, I contact the company and they told me the 6 weeks does not include weekends. 
the company tells me they are still working on my case and it will be finished in 6 weeks  XX/XX/2019 reported to XXXX XX/XX/2019 company responds telling me to contact via email XX/XX/2019 company admits to error XX/XX/2019 reported to XXXX XX/XX/2019 company responds and tells me they will do check to see why it hasn't been removed as I was told XX/XX/2019 reported to XXXX XX/XX/2019 company responds via email and ask me to send the same information again XX/XX/2019, I now report to CFPB and will report again to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Showed up on my credit report XX/XX/2018. O letter or bill was ever sent. Called them asked to send me documents showing what this debt was. Nothing. Disputed with credit bureaus nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to speak with a real person at Experian for one week now. Called 3 different numbers getting the same results no matter what combination of numbers I push. I applied for a dept consolidation loan. Experian is showing 4 new hard inquiries on my credit report from that company that I applied with but the company is not receiving the report to process. I have tried every number including speaking with the XXXX call center which I actually spoke to a REAL PERSON. She said that I had the wrong number and gave me the supposed number that I have been calling for a week. 

think what is going on is I applied for a loan that experian suggested through an email i recieved through XXXX XXXX but I was shopping around and tried a different company. I know that experian gets a kickback for this application so I am wondering if they are blocking the report to the other company because of there vested interest. This is beyond frustrating!!!!!! And on top of all that this agency CFPB tells me it will take 15DAYS!!!! for anyone to see this complaint! WHATS THE POINT!!!!! 

There is no freeze on my credit report!!! 

What in the world is going ON!!! 

Will anybody listen!!!!

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Three or four weeks ago, I received a phone call from a Credence Resources Management LLC stating that they were calling to collect a debt.  I told them I have no debt that is in collection.  They stated it was for XXXX  for some equipment that wasn't returned.  I told them that it is an illegitimate debt, because I don't owe XXXX anything and that I returned their equipment as instructed within three days after they emailed me.  They kept saying they were to collect $XXXX dollars and I told them that I don't owe anything and I am not going to pay anything.  I went on to state that I maintain a credit rating over 800 by paying all my bills and on time. In the last week, I began receiving credit notifications that my rating was being changed. When I checked, I see where Credence has put a collection item on my record.  They did so knowing that I denied having any indebtedness to them or XXXX. They also affected my credit by doing a credit check on me.   I believe they did this in the belief that I would pay this even though I don't owe it just to protect my credit rating and I feel this is an intentional fraudulent act.

I reached the end of a two year promotion of XXXX internet and television service as of the end of XX/XX/XXXX this year.  Within days, I received an email from them requesting that I take a specific piece of equipment to XXXX who would package and return their equipment.  The email listed one item (a router with a picture of it and the serial number.  I followed up within two or three days and returned the equipment they requested.  About a month or so later, someone called from XXXX asking about equipment, and I told the lady that I had taken the Router that was requested in the email to XXXX and that I had the email and at the time I also had the XXXX   paperwork.  She asked that I send it to her which I did.  I also told her I had some other stuff and what should I do with it.  She said that I should follow the email instructions and send what they requested, which I had done.

About two to three months after the service ended, I began receiving calls from XXXX with offers to resume service with them.  I told them that I already had a new service provider (XXXX).  I also told them that I  had returned what XXXX asked me to but that I  still had some XXXX equipment that they didn't ask for and what should I do with it.  On two to three of those calls, I was told either, "I will look into it, or I will take care of it" and nothing happened.  I finally put the stuff in a trash bag and my wife set it out.  (There are no XXXX offices or service centers around.)

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX and 30 days  late payment on the dates XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX   Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was un able to open a checking account at chase bank? And I would like to know why it only showed up on XXXX credit report no other reported show up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NV

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days and 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation