vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Company informed me, at the end of a 3 month forbearance, that my " application submitted '' was denied for additional relief. It informed me my only option was short sale or deed in lieu. I never applied for a second round of relief ( but was planning to at end of the initial plan. The letter falsely claims the " application I submitted '' was denied, but allows for me to appeal for a second independent review, even though I was never given the first chance to submit an application, to include hardship documentation. That right is now taken away, and only option is for an independent second review? Says we were denied as they were not able to qualify hardship, and that our property was not in a federally declared disaster zone? In the application process, there is an opportunity to submit hardship documentation, but since we did not yet apply ( they have since stated that this was due to an internal review, not any application..and also stated that it was not ever presented to us in any prior documentation that any such review would occur on our behalf automatically and without any representation or forewarning, I just received it in the mail with a less than 14 day window to resolve. I spoke today with employee XXXX, id # XXXX with Specialized Loan Servicing ) During the forbearance plan, we were able to make past due payments to get the account caught up, and now at the end of the forbearance we wanted to apply to have that new amount ( 3 months forbearance ) either stretched out over a period of time or at the end of the loan, but we are being denied that option. Between XXXX and XX/XX/11 we paid amounts equal to 10 monthly payments to fix our past debt, and now they are falsely claiming our application has been denied? We own a small business that has been forced closed for long periods of time over the past 11 months ... I am unsure what they need to prove hardship, bujt to only offer us short sale or deed in lieu within 14 days or face a foreclosure process in time of a national emergency?? They are crooks that should not be allowed to conduct financial business in our Country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'd like TransUnion and XXXX to delete the unauthorized and fraudulent account on my credit report because they're causing me financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
On XXXX XXXX of XXXX I took out a mortgage on XXXX XXXX XXXX # XXXX, XXXX IL XXXX through Guaranteed Rate , Inc ( " GR '' ), account number XXXX. GR filed a lien on the XXXX XXXX property register document # XXXX on XXXX XX/XX/2004. GR say they subsequently transferred the mortgage to XXXX, thereby ending GR 's interest in the property. GR has not updated the XXXX XXXX property register showing that it no longer holds a lien against the property. They say that XXXX had responsibility for updating the registry and did not do so. I am currently refinancing the property and my new lender requires a release for document XXXX as evidence that GR no longer has a lien against the property. GR have confirmed in writing that they never updated the public property register and are refusing to provide the release. GR state that XXXX must provide the release saying that GR has no lien. I am in jeopardy of losing my rate lock and incurring additional costs if my refinance does not go through due to the lien registered by GR. My husband and I have called GR 8 times, spending hours on the phone and being transferred around, and have sent more than half a dozen emails to senior GR management, copying XXXX, and have had no resolution from either yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have been fighting with Gm Financial for some time now and nothing is getting resolve. They are reporting a late payment on my credit from XX/XX/2020. I have never been late on the loan and have been telling them this for months. This is affecting my credit score this is unfair and not right. How long do I have to fight to get this adjusted that i was never late?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX XXXX filed a a case in XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and XXXX was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as XXXX filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report. 

In summary, I am asserting that XXXX has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX XXXX, and XXXX ). I would like this information to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I entered into Dovenmuehles forbearance process in XXXX. I was told that there would be no penalties and that payment would be deferred to the back of my loan. They told me my mortgage would go from 30 years to 30 years and 3 months. 

The loss mitigation time was supposed to be for XXXX, XXXX, and XX/XX/XXXX only. Dovenmuehle extended the forbearance through XX/XX/XXXX without my consent. I attempted to get out of forbearance without success. I could not make payments online. I had to call their loss mitigation department and they charged additional fees for my bill. After the 6 months was over I had called Dovenmuehle multiple times. They told me I just needed to wait. I made 3 payment a of {$1800.00}. 

I filed a complaint with the XXXX XXXX XXXX and Dovenmuehle finally moved me out of loss mitigation. Dovenmuehle stated I only needed to sign paperwork and send it back to them. I received two documents from Dovenmuehle both stating I was being removed from forbearance. Yet neither of these documents had anything for me to sign or return to them.

I sold my house and close on it tomorrow XX/XX/XXXX. Today XX/XX/XXXX I found out that Dovenmuehle put a lien on my house for {$13000.00}. 

I bought my house for {$220000.00} and I currently owe {$220000.00}. However, my closing statement with the lien was for {$230000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} I C System Inc {$820.00} XXXX XXXX XXXX {$100.00} XXXX - XXXX XXXX  {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I have been trying to go into my XXXX XXXX  and XXXX XXXX accounts to see my credit score it shows a score. but doesn ; 't show the details such as how much i owe on a specific card or the usage on it. Was hoping this can be fixed with transunionXXXX XXXX XXXX and updated so i can better understand what I owe and pay everyone up.

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 2021-03-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing a few accounts that are no longer obsolete since XX/XX/XXXX. Since the bureaus didn't respond to my initial dispute, I sent an additional follow-up on XX/XX/XXXX and then XX/XX/XXXX. The bureaus have yet, to this day, sent me any kind of update or responses in regard to 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 2021-03-15 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:
ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XXXX i sent dispute letter to Wells Fargo concerning account # XXXX about the method of verification they used to determine the accuracy of this account. They failed to respond to my disputes and it has been over 30 days which is a FCRA violation.As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC
State: CA

Complaint narrative:
CLASSIC BAIT AND SWITCH! 
We have excellent credit and applied on XX/XX/2021 for a loan with our current lender and LoanUnited.com at the same time and both offered a 1.75 % rate on a 30 year mortgage which was unheard of but true. We went with LoanUnited because XXXX XXXX was nice/knowledgeable and the closing costs were slightly lower. LoanUnited approved our loan on XX/XX/2021 and sent us notice it was approved. What XXXX XXXX didn't do was lock our rate and misled us that he had done so. When we continuously asked about it he said not to worry that we were approved through " blah blah blah '' lender and the closing date was scheduled for XX/XX/XXXX. When we started pushing him for proof of the lock he started lying and trying to put us off then he went completely silent. We called the office and were hung up on by others including when we asked for XXXX XXXX the " owner ''? 
Bait and switch is when borrowers are promised attractive terms upfront to win your mortgage business but then fail to deliver those terms when it comes time to close your loan. Changing terms at the last minute when borrowers are desperate to close their loan. In our case we should have just signed the rate lock loan estimate with our current lender at that 1.75 % rate and it would've been locked and our VA IRRRL refinance would've been done by now. Instead LoanUnited has cost us thousands of dollars with their extremely dishonest practices. I'm reporting them to the Consumer Financial Protection Bureau and VA because they are preying on our Veterans and using the VA IRRRL program to do so. STAY AWAY AND LEARN FROM OUR MISTAKE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been disputing a few accounts that are no longer obsolete since XX/XX/XXXX. Since the bureaus didn't respond to my initial dispute, I sent an additional follow-up on XX/XX/XXXX and then XX/XX/XXXX. The bureaus have yet, to this day, sent me any kind of update or responses in regard to 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 2021-03-15 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:
I have contacted Trans Union, XXXX  and XXXX  to report 2 accounts that do not belong to me and also hard inquiries. 

On my Trans Union report : XXXX this has been reporting for years was open fraudulently by i believe a relatives that move to Texas. Also XXXX XXXX this account does not belong to me and has been reporting for years. Also these hard inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my XXXX  Report : The same two companies, XXXX and XXXX XXXX and also these Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX 

On my XXXX Report : They recently removed XXXX but ignore my request to remove XXXX. Also these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope you have better luck then me seeing that i have trying to get these fixed for going two years now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: OK

Complaint narrative:
The Money Source is the mortgage lender my loan was sold to without my permission this happened in XX/XX/XXXX. Since then I make all my payments to ( TMS ) The Money Source. Well, twice I did modification on my home due to financial hardship. Instead of my mortgage payments going down they increased, but I still made my payments. Last summer I applied for an equity loan {$38000.00} it was through HUD well I was approved, but ( TMS ) kept the loan without my consent and they had to put it on my principal and escrow. ( TMS ) applied {$31000.00} to my principal loan, my beginning balance was {$170000.00} this should of made my ending balance {$140000.00}. Instead they are still showing my principal balance at {$170000.00}. In my escrow there was a beginning balance of XXXX after deposit of {$7900.00} from equity loan and disbursements of {$5900.00} there was an ending balance of {$180.00}. In XXXX XXXX I received a bill from ( TMS ) stating my escrow account had a shortage in the amount of {$630.00} and If paid before XX/XX/XXXX my monthly mortgage payments would remain the same. On XX/XX/XXXX I sent them a payment of {$1600.00} according to ( TMS ) website my escrow was {$440.00}, my mortgage payment with late fee was {$1100.00}. Well, after I made this payment ( TMS ) increased my mortgage to {$1200.00} I called ( TMS ) and confronted them their rep told me I still had a balance on my escrow of {$190.00}. ( TMS ) rep told me on XX/XX/XXXX they would look into my situation and I would hear from them but I did not. I have a suspicion ( TMS ) is stealing and padding my account I need an investigation done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp.
State: CA

Complaint narrative:
I want to bring the the CFPB 's attention a mailing advertisement that is highly misleading, as it uses official language and symbols, promises that they can recover lost money, and tells people that they must act quickly. Only in the fine print do you realize it is from a mortgage company. This ad is meant to deceive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/2021 a written request was mailed to XXXX  to close my XXXX account and transfer all funds to another bank. 
XX/XX/2021 is when XXXX created and sent a letter to me indicating that the account was not able to be closed and transferred due to outstanding funds in a brokerage account. 
XX/XX/2021 is when a phone call was made to XXXX  requesting that they use the already submitted transfer form. I was told that was not possible and that a new form needed to be submitted to XXXX. 
XX/XX/2021 is when an email containing the required transfer form was sent to the designated email address above. 
XX/XX/2021 I received a system generated email from XXXX  that they had received my request and form. 
XX/XX/2021 is when all brokerage funds we present in the savings account for closure and transfer. 
XX/XX/2021 I sent another email to XXXX requesting an update since I have heard nothing from them to date. 
XX/XX/2021 I placed a phone call to XXXX XXXX and held for 15 minutes and finally hung up in frustration. I have $ XXXX sitting with them and am missing out on a rate of return in the investment opportunities that XXXX  XXXX XXXX offers.I am now being told that it will be 4 - 6 weeks for the transfer to XXXX  XXXX XXXX to take place. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I try to lift a freeze on my credit since Friday XXXX I try to do it on my Equifax webpage so It shows me that it was a problem to retrieve my information to lift the freeze so I decide to call them the same day so I called and they try to lift the freeze but they ask me what I need the lift for so I tell them that it was for a refinance loan I was working with my credit union so they try to sell me some of their products but I tell them no thank you I already have my credit institution I working with so after this comment suddenly they said they star telling me that they can not access to my credit report so the weird thing is that I can sign in to my credit report and I was able to check my credit score but shows me a message error when I try to manage my freeze on my credit, so they told me that suppose they having problems with their system and says if I can call them later,. so I call them 2 more times that day and they told me the same thing, so today is Monday XXXX and they said still having the same problem I try to contact somebody in their Corporate office in XXXX so I believed was the Chairman Executive XXXX XXXX but he just answer the phone and before I can explain the whole problem he just transfer me back to other agent so this is a serious issue is causing me a huge problem to get the refinance loan on my house and my credit institution is waiting for this lift to keep moving forward with the process so please help me to fix this issue thank you so much for all the help you can assist me with.

Company response to consumer: Closed with explanation