vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH mortgage charges a XXXX fee if you do not go paperless. Through the app I tried to go paperless and it was not working. I called the company to have them removed the {$7.00} charge from my mortgage and they said that that was the the charge for a service. I was never notified of this new policy or service. They told me to try a different device in order for it to work. How many people have multiple devices to try and not pay more? This is bad business practices and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
the company is receivables performance. they obviously bought the loan from XXXX XXXX. the company calls me telling me that i will have to go to court if i do not make payments on the charged off XXXX XXXX  loan.

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to file a complaint about Chase XXXX XXXX and that they improperly charged undisclosed fees on a loan payout upon closing a home mortgage. Chase Banks actions violate the Truth in Lending Act, and we want the FTC to enforce that regulation and help us recover the improperly taken money. 

BACKGROUND We had two mortgage loans with Chase. 

The first mortgage loan was XXXX. 

We decided to refinance that loan with Chase to get a lower interest rate. We closed out the first loan and opened a new loan with Chase ( XXXX ) on XX/XX/XXXX. 

There was some confusion by Chase in terms of the closeout amount on the first loan. 

Chase sent us a letter on XX/XX/XXXX stating that the total payoff amount for loan XXXX was {$450000.00}. Then on XX/XX/XXXX, they sent us an updated letter on XX/XX/XXXX that the total payoff amount from the first loan was {$450000.00}. The new mortgage we secured with Chase on XX/XX/XXXX for {$450000.00}. Chase used the updated and disclosed payoff amount provided by them on XX/XX/XXXX to determine the loan amount for the refinance. 

Eight months later, we decided to refinance again. This time with another lender. Loan XXXX closed on XX/XX/XXXX for XXXX After reviewing the charges by Chase to close the loan, we noticed that we were charged a Broker Price Opinion for {$2100.00} ( see the attached copy from our bank statement ) This Broker Price Opinion was not disclosed to us upfront. It also was not a service that was performed, requested, or authorized by us. 

We have had discussions with Chase for several months. Chase now claims without admitting they made a mistake that there was a shortfall in closing the first mortgage we had with Chase. They are also now claiming the Broker Appraisal was a Corporate Advance to make Chase whole for the shortfall going from the first loan to the new refinanced mortgage. 

Again, we were never advised of a Corporate Advance/ escrow account, nor had we requested or approved those fees. 

Once a loan is closed, it is not proper for Chase to intermingle that transaction with a new loan. 

Both actions above are a clear violation of the Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CT

Complaint narrative:
In XX/XX/2021, I applied for a refinance on my home, sent in all the required documents and was approved for a conventional loan ( Loan # XXXX ) according the mortgage company - Loan Depot. The loan was for {$230000.00}. I submitted all the required, was told that i was approved and I even signed the loan papers electronically. I was then told that the only thing needed was to get the appraisal done. I gave the loan officer, XXXX XXXX my credit card for him to pay for the appraisal. The appraisal apparently came out fine so I thought that all was okay. 

Mr XXXX called me afterwards ( after the appraisal ) to let me know that I could not get the loan because of my income. He had already told me that the loan was already approved and the only action was to do the appraisal. I confronted him and his supervisor and he, Mr XXXX admitted that he made an error and that he rushed to get the appraisal done because he thought the loan was approved. He prematurely have me order the appraisal. 
I told him that i needed my {$500.00} appraisal fee back due to his error and he told me that would not happen. he kept forwarding me to other people and now they're not answering my calls. 

I need a refund of my fee. No one should be able to lie to a customer like that and not pay back for damages. 

XXXX XXXX - XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Supervisor XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Self Financial Inc.
State: GA

Complaint narrative:
For my self-lender account, the XXXX payment was received late due to a glitch in their system. Dealing with covid-19 most credit card companies are helping people with credit reporting. I have only been late with Self-Lender one time for the month of XX/XX/2021. I always make my payments on time but the month of XXXX my family and I were dealing with a COVID-19 scare. Also, I attempted to make a payment on their site but for some reason, it seems to be a glitch, which is when I made the XXXX payment with the XX/XX/2021 payment. I sent in a goodwill letter to self-lender customer service and they didn't do anything to help me as a consumer that has never missed a payment. I am attempted to resolve this issue with self-lender but they are unwilling to help me resolve this issue as it is negatively affecting my credit report. I need help as Self-Lender doesn't care about their customers or what they're going through in a difficult time. I have always made my payments on-time with Self-Lender and I use this company to help me work on my credit and being more responsible with my credit profile. This one late fee has dropped my credit score almost 50 points and this is affecting the purchase of my new home. My family was dealing with a covid-19 with my XXXX XXXX XXXX son which is more important than anything. The payment I attempted to make in XXXX on their app didn't go through due to an issue with their app, but when I realized the issue I made the payment right away. It seems Self-Lender doesn't have compassion for their customers that has a perfect history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding llc Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX fax XXXX reference # XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX Called law office several times last time reported someone would call still waiting for call. 

Called LVNV company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX About XXXX XXXX Credit card opened on XX/XX/XXXX closed XX/XX/XXXX for non payment. 
I originally opened XXXX XXXX account in XXXX and closed it in XX/XX/XXXX, bought my home in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In early XXXX. I applied for a Wells Fargo credit card. I received a notice to " Un-freeze '' my credit file. I phoned to advise w.f. that I had done so. The rep. verified access and forwarded my application for processing. I then received notice that w.f. " Was unable to verify me '' and they needed more information! They already have all my privacy information what more could they possibly need? It is my belief that they saw I pay ALL my bills in full and didn't see a big enough payday allowing me an account. In the meantime they have all my privacy and contact information on file to share and sell to whoever they want and there isn't a thing I can do about it, I don't have an account to opt out of this!

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 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kubota North America Corporation
State: CA

Complaint narrative:
Kubota Credit Corporation has reported XXXX big accounts on my credit report as a charge-off and has been aggressively attempting to collect debt on the accounts that do NOT belong to me and failed to provide any supporting documentation... This year I received a summons for the XXXX loans Kubota was trying to collect from me, when I contacted the number on the summons, I was told it was NOT my account and that they have made a mistake, so I did NOT need to respond to this lawsuit .... However, they are still reporting XXXX negative accounts on my credit ... and attempting to collect debt. This is never-ending... 
My numerous attempts to resolve this with Kubota went ignored... With some legal help I finally received a copy of the contract ( XXXX ) from Kubota which date XX/XX/17, XX/XX/17 and XX/XX/17 and XXXX ) do NOT contain my signature, XXXX ) do NOT provide social security, XXXX ) have address for " XXXX XXXX '' as XXXX XXXX XXXX never resided at this address and not familiar with it, XXXX ) no proof of payment provided and XXXX ) no proof of identification provided to support their claim that they have the right person on these accounts .... These are NOT my accounts...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
debt was started with XXXX in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with portfolio recovery in XXXX, I stated debt was old and uncollectable however portfolio agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and portfolio is not listed but I still get harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened up several accounts with Suntrust Bank in XXXX. They frozed and closed all of my accounts several weeks later without my knowledge. They had my funds tide up for almost 2 months now. I asked them to release my funds in the branch in XXXX and they declined and said its under investigation for whatever reason. They eventually mailed me a check and when I recently checked the tracking it stated the check was forwarded to another address. When I called to report the issue, they said they will mail me another check but it will take another 15 days. I am requesting Suntrust full cooperation and to release my funds and expedite it to me immediately. Ive been very kind and patient about this matter and just want them to do right by me. Im a good hearted personIve received several proclamations from Mayors ; worked for the US Dept of Commerce so Im a legitimate and great individual and dont understand why they would even close my accounts without my knowledge. This is very unprofessional and very bad business. I just want my funds released to me immediately. Thank you for your cooperation and attention to this matter.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XXXX XXXX opened A Bank account with chase, deposited my inheritance From a life insurance policy left solely to me. XXXX was deposited into a closed chase account XX/XX/2021, Withdrew funds has been harassing stalking and unable to locate since .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Oh Thursday, XX/XX/XXXX, I was contacted and spoke to a Loan Originator at AmeriSave ( XXXX XXXX ) who stated that she was part of special department within the company that is part retention and keeping existing clients. At that time, I had started the process to do a refinance with another company. She mentioned that because I am current client, the process would be completed within 2 to 3 weeks ( tops ) and they could offer further discounts.

I did end up Locking in that evening at the discussed rate, terms and points. By the following morning I get disclosures and the Lender fees thousands of dollars higher than initially discussed along other changes. I pointed that out to XXXX XXXX, who told me it was mistake in the system due to heavy market changes that evening but what I locked in for would stand. She just needed to get a manager to update it. That was on XX/XX/XXXX. 

For the proceeding few weeks I would contact XXXX XXXX to ask on status the little response I received was that she does not know what happen and management will update it. By XXXX XXXX ( over a month later ), I speak to a manager XXXX XXXX, who clarified that XXXX XXXX entered the lock in incorrectly which caused the Lender Fees to increase. He apologized and stated it would be corrected. 

Another couple weeks go by, with little update and no change. By XXXX XXXX I receive updated Closing Disclosure, but the Lender Fee is still higher than my initial lock ( over {$800.00} higher ). I pointed that out to XXXX XXXX and forwarded him the information from XXXX XXXX that showed the rate and time of the lock. I was told I would hear back from him within the next day or two to confirm an update I have yet to hear back on this.

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 2021-11-02 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Payments on the mortgage have been current since XX/XX/2021. Company acknowledged this but has still not sent updated correction to Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MS

Complaint narrative:
I purchased a card at XXXX from NetSpend as advised by my title loan company to make my monthly payment. I purchased the card at XXXX in XXXX, Mississippi and loaded XXXX $ on the card. When I called Netspend to try to activate the card, I was told that I had an account with their joint company Skylight. I advised the agent that no I had never had such an account, the agent advised me that it must be a problem with identity theft and that a report would be filed. The agent 's name was XXXX and his id number was XXXX. I also asked to speak to a supervisor, XXXX ( agent id XXXX ) a supervisor with Skylight then came on the line and stated that a refund check would be mailed to me in the amount of XXXX. And the check would arrive within 5 to 7 business days. That was a month ago, and I have called multiple times to no avail. This company has stolen my money and refuses to refund my money.

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Contacted XXXX to get account information and representative was unable to provided any account information and account shows as charge off or satisfied. No collection agency information was given during call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
XXXX of last year I used a Barclays Visa on a XXXX $ purchase Was not billed and we forgot about it. We received the bill in XXXX and paid it. Barcays credited us the late fee. But we did not know Barclays reported the 60 day past due invoice to the credit agencies. Lowering my credit. They do not take phone calls, we had to sent them a full credit record and an account of what happened. They replied saying they can not remove the late payment from my credit report. 
What has to happen to make this right?

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have discovered that coinbase offers no phone support for their credit card, only for their trading platform. My coinbase credit card was stolen and fraudulent charges are ONGOING. All I can do is email them, and they may get back to me in a week or so they say. How is this acceptable for fraud reporting? What's more, the trading platform support staffer told me that I had a to submit a whole new email ticket because the last one didn't even record my stolen card ( which I specified in detail ). On top of that, they told me to freeze my trading account ( which I've since learned was not necessary ) and I'm now locked out from doing any online monitoring of my card. Meanwhile my credit card is still active and ongoing for the thief out there to continue making charges on, even today. There's nothing I can do to stop it, and coinbase offers no recourse to stop it promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Heartland Resolution Group, LLC
State: NY

Complaint narrative:
Heartland resolution group calls my phone repeatedly. They call multiple times over the course of a few minutes, then call back again multiple times within the next few hours. Please see below documentation of XXXX XXXX phone number in call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a twin sister and the problem I'm having is, her Capital one auto loan and current address is showing up on my credit report. The auto loan is under my name, but her social security number. I had try to dispute this matter many of times. I wasn't successful at all resolving this issues. I'm don't know what to do at this time, can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I received a collection notice for {$200.00} for a debt that is not mine, from a company I have never had contact with. I did contact XXXX XXXX and created a case disputing the fee. I have had my current energy company for over 14 years and prior to today have never heard of XXXX XXXX. I believe the letter from CMI Services LP /Credit Management LP is fraudulent and are attempting to extort money by falsely claiming we have a debt.

I am filing a complaint against CMI Services LP /Credit Management LP for the above stated reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
An XX/XX/XXXX payment was made to Loan Depot. XXXX XXXX  tracked the payment and confirmed that it had been received by Loan Depot. This payment has been in dispute since XXXX. Loan Depot told us originally this would be settled by XX/XX/XXXX. The current XXXX statement XX/XX/XXXX charged us a late fee of {$45.00} for the XXXX payment when the bank statement shows the withdrawal was made on XX/XX/XXXX. When is this going to be settled?

Company response to consumer: Closed with explanation