vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
Dear CFPB, I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments, XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, also XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX ( did not qualify on my subsidized loan but did count on my unsub loan ) and they, FedLoan Servicing never responded. 

I have never made late payments, yet it says I have 73 ineligible payments. If some count, they all should. I believe this error is because the loans have been sold/moved to different companies along the way. Initially, I was with a previous loan servicer, and now FedLoan Servicing. I am at a loss of what to do. They keep giving me the run-around and according to my calculations of payments I should have been done making payments toward PSLF. I have been an educator for 12 years with PSLF being my ultimate goal. This, what seems to be a never-ending run around for the last two plus years, has taken a toll on me mentally and made it impossible to take different steps towards my future and has brought unnecessary stress to my family.

This has caused I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Despite showing proof that payment to Freedom Mortgage cleared my bank on time in XX/XX/2020, Freedom Mortgage continues to report my mortgage as delinquent 20 days in XX/XX/2020.

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 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was defrauded by Loan Depot, NMLS / LICENSE ID XXXX this morning. I took Mr. XXXX XXXX, XXXX XXXX XXXXCENSE ID XXXX unsolicited call this morning around XXXX XXXXXXXX  promising 15 years loan at 1.75 % interest at no cost. Mr. XXXX was made aware that I am in a middle of a refinance with XXXX XXXX for 1.875 % at zero cost for also 15 years. When I asked if he could beat that deal, he confirmed that he could do 1.75 % at zero cost. When I received the paperwork at XXXXXXXX XXXX  today, I found out that I am being charged more than {$8500.00} in closing costs. When I asked Mr. XXXX to correct the loan estimate based on the promise that he himself recorded during the call with him, he said '' do not worry, my boss will approve it and will send you the revised documents very soon, no later than 15 minutes from XXXX this morning. 

As I received nothing, I sent 2 emails and left couple messages to Mr. XXXX, Mr. XXXX answered around XXXXXXXX XXXX  saying he is waiting for his boss who has been in 2 hours meeting. I did call your customer service to complain who also advised that neither XXXX nor his Managers were available. 

Mr. XXXX did collect {$21.00} in advance for credit report and obtained my consent to run my credit based on a false promise. He also asked me to provide XXXX ' documents to show to his boss and collected personal information based on the same false promise of a XXXX  cost@ 1.75 % for 15 years. 
I had a horrible experience with Loan Depot back on XXXX of last year where I paid the same credit report fees and I ended up going no where. 
Mr. XXXX 's call to me this morning was unsolicited and I regret that I wasted my time and took it and provided my personal information once again to an organization like Loan Depot that does not value customer service or customer rights, or abide by the regulations. I requested that Mr. XXXX does not destroy the recording of the call this morning where Mr. XXXX stated the loan details. Mr. XXXX advised that such recording is a company policy and destroying it may be tampering with potential investigation by the concerned agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I basically did all the homework on this and figured it all out. Loan Depot rolled {$520.00} into my loan during the money shuffle without disclosing it. 

I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me. At any rate, the summary is below. 

XXXX XXXX UNPAID BALANCE GOING INTO SETTLEMENT $ ( XXXX ) was the principle left to pay going into the settlement {$510.00} was my additional payment of principle on XX/XX/XXXX $ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). 

LOAN DEPOT SETTLEMENT ACTIVITY {$260000.00} was sent to XXXX XXXX by LOAN DEPOT $ ( XXXX ) was the new loan amount at LOAN DEPOT $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY XXXX XXXX ( WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 
{$260000.00} was sent to XXXX XXXX by LOAN DEPOT {$1500.00} Overage $ ( XXXX ) XXXX XXXX disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 

LOAN DEPOT AMOUNT THAT SHOULD HAVE BEEN ROLLED INTO THE LOAN {$8000.00} XXXX XXXX Disbursed this amount to me from the Escrow {$1200.00} XXXX XXXX disbursed this amount to me as a result of overage {$320.00} In consideration of the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 
{$9600.00} Is the total amount ( sum of the above three ( 3 ) figures that should have been rolled into my Loan at LOAN DEPOT. 

$ XXXX XXXX ) LOAN DEPOT ( New Loan Amnt Funds Sent to XXXX XXXX XXXX {$9600.00} XXXX XXXX ( Disbursals Whether Complete/Incomplete To Buyer ) $ XXXX XXXX ) Is the amount that was rolled into my new loan at LOAN DEPOT that is unaccounted for. @ XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have a new XXXX XXXX XXXX leased vehicle purchased in NY. I moved to NJ and have to register my vehicle in NJ. I have requested and sent 6 email to Hyundai Motor Finance to transfer the lease from NY to NJ dmv. The first email request was sent on XX/XX/2021 but they havent transferred the title yet. 

I have been calling them every day but the call center have no clue about the status. Each time I call them they ask me to resend the email again. The call center does not have access to Title department and cant even say what is wrong with this transfer request.

My current registration has expired and Im unable to drive the vehicle.

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 2021-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I tried to freeze my credit report. 
I can not freeze my credit claiming that an account already exist. 
I tried to retrieve the account. But was denied.

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 2021-08-21 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: FL

Complaint narrative:
i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u

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 2021-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XXXX of 2021 my husband moved out and caused the financial disaster by XXXX I called and was ready to make payments ( it was in forbearance ) and was told I can longer make payments on the home I applied for a loan modification to put the past due amount in the back of the loan the lender always finds a problem with and lies when I ask about when I was sent a notified letter saying my home is being sold none of that matters weve been going back and forth ever since First time my home was going to be XXXX was XX/XX/XXXX I found out and only had a few days to save it I did now they denied my application because im too poor when I work cash under the table rent a room yet they only accept what they feel they want to they are evil so now I dont know what to do plus my mom is XXXX I asked for time they said no! Please help I just want the modification it would bring ny payment from XXXX to XXXX they said this to me or else a Deferral just something I am doing everything possible but they make it impossible to save my home I was told to be careful because my home has alot of equity they might deny it for " other '' reason please help please My lender is Rushmore financial institution bunch of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I filed an initial complaint to receive debt verification from JCS on XX/XX/2021. A second validation of debt was sent to JCS on XX/XX/2021. Despite these attempts, Jefferson Capital failed to provide legal verification of any alleged debt. Since the requested information was never received, I presume that no proof of the alleged debt exists, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Enter Bank of America in XXXX Illinois and later the same day in another location near. I had to wire XXXX K to my business account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Next, I was told the funds where put on hold even though they are available due to Manager XXXX discretion. Arbitrary and cruel since I needed the funds ASAP to close on a real estate transaction and prevent from being in breach of contract. Manager claimed she could use desecration to block my wire transaction. Next, I traveled to another Bank of America and the same thing happened. Mystified I said to the Manager that I would hold her liable if she caused me to be in breach of contract. The manager of the first and second bank was aware of the escrow company because it was local. All this time, I was on hold with online customer service trying to remedy the problem. Then a nice junior customer service woman helped me process the wire online. After, I walked in and told the manager that someone covered for her. She did not want to return my identification and was rude. She continued her rude and disrespectful tone with me saying she could not help me even though I had already processed the wire. 

Currently, one of the managers placed a XXXX dollar hold on my account. This is harassment beyond reasonable doubt. Even seems they tried to provoke me at time. I was speaking in a low tone and the manager says lower my voice in a condescending manner. The whole affair felt a another XXXX attack. Even still I closed the real estate transaction that Friday overcoming the harassment and blatantly XXXX XXXX managers.

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 2021-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NY

Complaint narrative:
I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned ERC is a new account and I have to fix this problem. XXXX an account listed on my credit report that just popped up under ERC collecting for a company called XXXX XXXX for {$880.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX XXXX then removed the debt and placed it with another company called ERC. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXXXXXX XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, director of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because I can not get my home to move my kids into, I will file suit with an attorney of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On Sunday XX/XX/2021 I bought a plane ticket from XXXX XXXX using my JetBlue Barclays Card. The cost was {$420.00}. 
Several hours after the purchase XXXX XXXX sent me an email saying that the purchase could not be processed, but didnt say why. 
I called and they said that they needed to validate my credit card and they requested copies of my card and my drivers license. I sent those copies by email. On Tuesday XX/XX/XXXX they charged my credit card for {$420.00} but they still did not give me the plane ticket. 
On Friday, XX/XX/XXXX they still had not given me the plane ticket and they wouldnt say why when I called, so I opened a complaint with the credit card company. 
After one month the credit card company said they cant process the complaint because I never sent them requested documents. THEY NEVER REQUESTED ANY DOCUMENTS. 
I reopened the case against and sent them by fax all the correspondence by email between myself and XXXX XXXX. 
Last week they sent me a letter saying that they closed the case due to insufficient evidence. 
XXXX XXXX CHARGED MY CREDIT CARD AND NEVER GAVE ME A PLANE TICKET! Thats FRAUD, if Im not mistaken. 
I was forced to buy another ticket from another airline.

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 monetary relief
Consumer complaint received 2021-08-21 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action

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 2021-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was looking on XXXX XXXX for a used XXXX XXXX to purchase for my nephews birthday. I saw one for XXXX $ and asked if the merchant ( XXXX XXXX ) would be willing to ship it instead of meeting up for the item. The merchant agreed and assured me that once I paid her the money through messenger, she would ship the item and keep me updated. After transferring the money to her over XXXXXXXX XXXXr, the merchant was unresponsive to my messages. I then, reported the merchant to XXXX and filed a dispute with my bank USAA the next day on XXXX XXXX I am a veteran of the United States XXXX and have been with USAA since XXXX. After making the dispute I sent my bank screenshots of the business transaction. I sent screenshots of the merchant being unresponsive. Because this money transaction was through messenger, XXXX advised me to dispute the charge with my bank because the purchase was not made through marketplace. I never received anything in the mail from the merchant. It is clear I am a victim of fraud. I submitted evidence proving I was a victim, but upon speaking with my bank, I was advised I had to make a dispute with XXXX to get my money back. As a bank who I had trusted, I expected that USAA would resolve the dispute in my favor because I was scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation