vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter informing me I have been approved for an Payment Deferral effective XX/XX/XXXX. This Deferral would do the following : 1 ) Adjust the due date for my next payment and bring my mortgage current.

2 ) Defer repayment to the end of my loan/sale/refi 3 ) Waive any late charges It is now XX/XX/XXXX and my loan is still showing as delinquent and every payment I make is held in suspense and not applied to my principle, interest, or escrow account. I have spoken to 14 different people at XXXX XXXX Loss Mitigation department  and none of them are able to tell me when this process will be finished even though the letter says it should go into effect XX/XX/XXXX. I have requested to speak with supervisors on at least XXXX different occasions and am consistently told they will call me back within XXXX hours. After 7 requests I have yet to speak with a XXXX 

Customer service reps have been misleading about the entire process stating that the process couldn't be started until they received verbal confirmation from me, even though there is no instruction to do so anywhere on the documents I have received. Further, the documents I have state that the deferral has been approved and effective XX/XX/XXXX. When calling, customer service Reps have gone as far as to ignore my request for XXXX  give me fake phone # extensions, or tell me they will call me back personally at a certain time and date with no follow-through. 

Every time I ask for a timeline the number of days changes depending on the person I ask, and is the same range no matter how long I have been waiting. 30-60, 30-90, 60-90, 90-120 days. At this point it has been over 135 days since this process was supposed to be IN EFFECT and I am still in the dark about when this process will conclude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America has allowed fraudulent account to be opened in my name I have contacted and called them but no help this account was opened on XX/XX/2016 it is reporting unauthorized and i am seeking litigation they have no proof of who the account actually belongs too. So i feel ignored of my rights to have it removed included I have my FTC report will be contacting the bureaus

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 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020, I sent Equifax a dispute letter re : FDCPA Section 807 Violation Misleading False Reporting from Republic. This alleged debt remains on my credit report. without being verified. I am unable to locate Republic 's contact information as it is not anywhere on my credit report and this is a violation of 615 - 15 U.S.C. 1681m. Therefore, I have no way of contacting them to request debt validation. Apparently this account belongs to someone else Please help me with getting this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to all three XXXX, XXXX, and Equifax about having fraudulent names and addresses on my credit report. I've called several times and they say they can't remove these addresses and names that are not mine and that is causing fraud on my report. By FDCPA, they are required to make sure my credit report is 100 % accurate and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES : purchasers of XXXX debt. 

Original creditor : XXXX XXXX XXXX  - again, complete lack of account ownership transfer from a custodian of records. this entry also comes with a XXXX XXXX date of XX/XX/2020. Where this group pulled that day out of, I have no clue. Made up fantasy date of account last date of activity, I did not open any credit card XX/XX/2020. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report last month and noticed their are some accounts on my report that I do not recognize. I did not benefit from the accounts in any way nor did give anyone permission to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting the account with XXXX XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. Self Lender advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
TRANSWORLD SYS INC/51 has a medical account for XXXX XXXX in Delaware. I was unaware of this past account until it showed on my bureau. I called to inquire about it on XX/XX/21. I spoke to a representative on that day and also paid the total amount owed ( {$180.00} ). As of XX/XX/21 the account was paid in full and I received a confirmation number # XXXX. The account was reported as past due again on XX/XX/21. I called the company again on XX/XX/21 and spoke to XXXX XXXX who indicated that the account was still open and did not see my payment. She indicated that she saw that I called in but the person that took my payment did not note my account. I checked my account and the money was taken out of my account on XX/XX/21. She indicated that her manager told her to put my account in dispute because they have to look for my payment. This is unfair treatment and this account should not have been reported to my bureau as past due since it was paid. It also should not have been reported if I was not even aware of this past due balance in the first place. I never received any form of communication from this company. The rep told me that I would need to call back in a few days because it is not known when this issue will be fixed. Again, unfair treatment and inaccurate credit bureau reporting. In the mean time, I am negatively impacted. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
under civil litigation for unauthorized and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: HI

Complaint narrative:
We refinanced our mortgage with Recovco/ Sprout Mortgage and closed on XX/XX/2020. However since the refinance process was started back in XXXX of XXXX  the amount to close ended up being {$2000.00} 'To Borrowers ' and {$1500.00} as 'Principal Reduction to Borrowers '. Although we did receive the {$2000.00} from the escrow company, XXXX XXXX XXXX, the Principal reduction to Borrowers was never credited to our loan with Recovco/ Sprout. 
Recovco/ Sprout immediately sold the loan to XXXX XXXX XXXX with the loan amount being the Full {$280000.00} without any Principal Reduction ever credited. XXXX XXXX XXXX stated that they did not know of any Principal Reduction and they also eventually transferred the loan to another company, XXXX XXXX, without any of the companies ever issuing the Principal Reduction credit. 
So in essence the loan was for {$280000.00} but should have included the principal reduction credit because the amount back to us as borrowers could only be {$2000.00} and the rest had to be as a reduction of our principal, the {$1500.00}. 
They just kept the Principal Reduction amount for themselves.

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 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo fraudulent account not charged to my account for u know credits cards and title loans and mortgage loan case of identity theft On fields deceased husband was fraud also no apooint attorney for the identity thefts on mr. XXXX & Mrs XXXX XXXX  Change of name fraud from all XXXX account at bank 's

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES - need I say more. XXXX  buyers. 

Original creditor : XXXX XXXX  XXXX of proper account ownership trail, as usual. Their only claim of right to ownership is : " The original amount of this account was {$930.00} ''. What date was that? Was it the purchase date or payment date? Last activity is when the 7 year clock starts. 
No chain of legal custody of account provided by records custodian.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: OR

Complaint narrative:
I completed a loan process through XXXX XXXX  to pay off the lease end amount from Kia Motors Finance in XX/XX/XXXX. It is now XX/XX/XXXX and to date I still have not received the title from Kia.

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
While married we bought a townhouse in a low income area because it was being sold and a friend lived there. During the divorce my husband who works for the government at a XXXX got the townhouse and allowed me to keep our house because of my son living here. He is a honest man living well below his means. The townhouse was bought 16 yrs ago and 5 months. He has always had automatic payments and the mortgage has been sold/transferred several times over the years. We believe it has had more transfers due to the location. The last mortgage holder was Ditech Financial LLC and it was transfer in XX/XX/2019. The XXXX payment counted because he pays around the XXXX of the month before. It was sold/transferred to New Res-Shellpoint MTG with no notice in the mail or email. Normally this isnt a problem because the old company forwards the payments for about 3 months while making sure the owner is notified. Not only did this not happen but they returned his payment for XXXX and XXXX with no information. It went unnoticed due to living below his means and a very low mortgage payment didnt adjust the bank amount enough to be noticeable. It was letters of intent of foreclosure that was the first correspondence he was given that the mortgage holder had changed. He paid right away and wrote the company asking for them to adjust the credit reporting because before that issue he had a perfect credit score. He notified me because it is still listed as joint ownership. I have also written the company which is a Fannie Mae owned company and disputed the reporting because of bad administrative practices. Over 16 yrs with not a single late payment but a company that is poorly run can ruin a perfect credit score. We strongly believe that other owners in this community have had similar issues or even been foreclosed because of being sold to poorly managed mortgage companies buying loans in low income neighborhoods. Please investigate these companies because they give no response to our letters.

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 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: KY

Complaint narrative:
Debt Collector is trying to collect a medical debt that was already paid out by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account on ( XXXX ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 

Paypal also informed me, that i would receive any pending balance on my account after 180 days. 
Its been now over 220 days since my account has been placed on hold, i tried to contact Paypal and resolve this and the only [ RUDE ] answer that am getting is, that i have to wait until i get the email informing me that its ready, even if its been more than 180 days. 

I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me because i rely on this money. I've been waiting for the 180 days because i really need my money. And i feel that its very unfair that ( PAYPAL ) does this to their clients. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
under civil litigation for unauthorized and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: CITIBANK, N.A.
State: SC

Complaint narrative:
under civil litigation for unauthorized and fraudulent accounts

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 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called BoA XXXX  to let them know I had a fraudulent charge and they told me someone in XXXX  took my money out of an atm. I live in XXXX XXXX so I told them that wasnt me and they filed the fraud for me. On XXXX I got a letter telling me my account was closed, I call on XXXX telling them what happened and they told me to contact XXXX, Been going back and forth between both of them blaming each other

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 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
XXXX - applied for forbearance program covid related reduced income 2020 - approved - lender, Quicken Loans ( Rocket Mortgage ) still took payment ( automated ). They refused to refund the money - said it would make me delinquent and subject to negative credit reporting. I took the hit and borrowed at high interest loan to cover debt balance on checking and over draft fees in XXXX. They did this again in XXXX with a one time payment they claimed I setup - but when talking to them they said all payments were canceled. I said I could start back in XXXX but now this is looking to have caused 10 over drafts this month too.. I am back working and earning - but less than before - but still want to get back on track but they are not willing to reverse and are threatening to file negative remarks if I ask bank to stop pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX  no official notarized paper trail of account ownership offered by Portfolio, just the typical 1 liner of : " The original amount of this account was {$1400.00} '' as their sole means in which to claim ownership of account. 

What date was the last purchase or payment - the official time to mark the clock for 7 years? Not offered by Portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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