vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: OH

Complaint narrative:
Applied in XX/XX/XXXX with XXXX for rate/term. All info originally told to me as far as rate and fees was a bold faced lie. I was told NO FEES at all and 2.9 rate. When LE sent there was several thougsand in fees above and beyond title fees. No calls no responses to inquiries until end of XX/XX/XXXX. Final CD never sent for review even after repeated request. When CD was day of supposed closing and it was incorrect. NO final CD sent, closing was no call no show. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX XX/XX/XXXX roles around and spoke to lender and closer and was awaiting closing. No call no show again from lender, however closer had the courtesy to reach out and say lender cancelled last minute. When I get processor and LO involved, the rate expired. They sat on this for a week, scheduled closing and intentionally let rate expire to further delay this debacle. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices including false advertising, saying no fees then charging fees and not following TRID rule. There are numerous UDAAP and TRID violations. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told I advance and once they actually did they cancelled closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed that XXXX XXXX XXXX Loancare '' had debited my escrow account {$2900.00}. They claimed the amount was sent for my taxes to XXXX. The problem is that I no longer owe taxes on my home due to laws in Texas for vets, XXXX and elderly. When I called and told them that I owed no taxes and asked them for a bill, they could not provide one. They admitted that they had never been billed by my tax authority and had no idea where the amount came from. They " started '' a process to fix it. I waited two weeks. I contacted them again. They had done nothing on the account. This time the customer service rep was rude, she screamed at me. She claimed that I was at fault for them sending the amount because " you have only been with us two years and you must not know how much your taxes are and if you don't owe taxes it is up to you to stop us from sending money each year. '' When I said that was bogus, she blamed the postal service. When I wouldn't accept that, she left me on hold for an hour and hung up. I made a complaint to the XXXX  They restarted the 30 day period but still did nothing. I had to call XXXX, the tax authority when they got the check from the escrow on XX/XX/XXXX. I had to ask them to refund it and resent it to the escrow. That has been done. Loancare has still not credited the account. I sent Loancare, on XX/XX/XXXX, the copy of the tax bill showing that I don't owe taxes last year and won't owe them this year. My escrow review is this month and they have had more than two months two fix this. They have done nothing. They are intentionally trying to triple my escrow payments to make money on my escrow. They have not fixed my 2021 estimated taxes. They have not fixed the issue with them sending ( with no tax bill ) all of my escrow account to an entity that did not even have money owed. They continue to make promises over many, many phone calls but do not make a single change to the account. They have far surpassed the 30 days they have by law to fix and reply.

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 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
LoanCare deleted the escrow account by my request on XX/XX/2021. However, LoanCare did not refund the balance of that account. Additionally, LoanCare didn't recompute the new monthly payment without the escrow contribution, so my monthly statement still shows the old payment amount. 

I have attempted to resolve this issue with LoanCare in writing twice by sending Error Resolution Notice under 12 C.F.R. 1024.35. LoanCare ignored both attempts by simply directing me to call them. LoanCare doesn't maintain live agents at their call centers, as I have not been able to reach one in the last three weeks. 

I kindly request your mediation in obtaining the refund of my escrow balance and recomputing my monthly payment.

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 2021-03-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently reached out to Equifax via Affidavit dated XXXX XXXX 2021 in regards to a credit report from Equifax that revealed There is an item listed as pertaining to me, in the amount of XXXX that I do not recognize, which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the alleged debt is XXXX XXXX I advised Equifax that According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I was never given notification by XXXX XXXX  of the alleged debt prior to it showing up on my credit report I was never given the opportunity by XXXX XXXX to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by XXXX XXXX before it could be assumed as pertaining to me. 

I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 

XXXX XXXX has engaged in clear violation of the Fair Debt Collection Practices Act : Section 809. Equifax at the point of this complaint still has not responded, I gave them a follow up phone call on XXXX XXXX to check the status and they stated that they could not locate the Affidavit. Unfortunately for me the damage and stress continues with each passing day. I have reached out to XXXX XXXX  and advised them of their violations and requested that they stop the erroneous reporting but they will not. I am now hoping to resolve this issue through Equifax if they are not immune to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I monitor my credit and received an alert from XXXX It shows a company called global radius solutions has placed a collection against me for {$670.00} for a company I have never heard of or used called XXXX XXXX physicians. I have never used this company - nor had I ever heard of XXXX XXXX until this. I googled the business and looked at the building, again, Ive never been to this company. I called and spoke to a receptionist and she had no explanation for why as they did not have me in the system. I dont know what more to say other than I have never. Been. To. XXXX. XXXX. Is it possible someone stole my information and used?! Why would someone do that I have no answer or if that is even logical all I know is I am not paying this bill. I pay my debts and bills if they are mine. This is not and will not pay it and I want it off 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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: CA

Complaint narrative:
I have paid this company my XXXX payment on XX/XX/21 the due date of {$350.00}. I have paid them over {$200000.00} dollars within the last 35 days. They keep calling asking for payments. I called several times but they refuse to help, only ask for a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I bought 1 car with Kia ( Kia XXXX XXXX Ex ). On or about XXXX XX/XX/XXXX Kia financial sent me a bill that I owed {$490.00} with 60 payments. The first payment was due XX/XX/XXXX. I made a payment to this account on XXXX XX/XX/XXXX. I made a second payment for my next bill on XX/XX/XXXX ( each payment is due on the XXXX of the Month ). I then paid my bill again XX/XX/XXXX. My bank statements show payments made, and I was receiving emails to pay my bill each month. I would log in and the payment that was 'due ' was XXXX. If you look at my credit history, I have never paid a bill late. 

I received a check in the mail yesterday XXXX XX/XX/XXXX for {$490.00} as an 'overage. ' I logged into my account because when I looked at the account, I was surprised to find that while my payments went through ( {$1400.00} so far ) my total amount owed was {$0.00}. I assumed ( which I was correct ) that somehow Kia opened up two accounts in my name. I called Kia on XXXX XX/XX/XXXX to inform them I was paying my bills on time, and they mentioned there was a second account I was not aware of. The issue I am having is that they now report my payments as late because I had no clue of the second account, but I was paying the account as notified. 

I called into KIA about 5-6 times. Their phone kept disconnecting and the number would not work. I am unable to fix the issue with them because there is no way to contact them.

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 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
on XX/XX/25 i logged into my account. i noticed all of XXXX XXXX was missing. i checked transaction history there was no history except for the purchase. i reported the missing coins which locks ones account. they have auto generated emails and no phone customer service. i have been completely ghosted by support. i have reached out to the founder XXXX XXXX on twitter and XXXX XXXX and XXXX XXXX as well. i have tried reach support multiple ways ... can not get a response except auto generated emails if i go through the contact us page. i am concerned about my missing coins and other funds that i can not secure, buy, or sale.. this is causing and undo amount of stress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 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

Complaint narrative:
PayPal closed my account 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. 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 a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I opened a complaint on XX/XX/21 regarding the bank refusing to provide the stock certificate and lease needed to refinance my mortgage with a different bank. NewRez responded on XXXXwith a letter ( attached ) claiming that both documents ( stock certificate and lease ) were sent to the XXXX XXXX XXXX  XXXX XXXX XXXX ( the lawyer who will represent them in the transaction ). However, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX that the bank has provided only the stock certificate but not the lease which the bank had lost. I checked with the XXXX today ( XX/XX/21 ) and they informed me that neither the bank nor the XXXX XXXX XXXX XXXX XXXX XXXX has contacted them to replace the document lost by the bank. I'm still unable to proceed with the refinancing and moving the mortgage to another bank. 

Not only NewRez still hasn't provided all documents that were needed, but it has also submitted false information in the response to my earlier complaint.

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 2021-03-02 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: Lending Club Corp
State: FL

Complaint narrative:
I took out a personal loan with The Lending Club in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: NV

Complaint narrative:
On XX/XX/2021 bank of america closed my business account. With no explanation but it was a business decision. I had a transaction from a customer of mine go into my account for XXXX. My customer had sent me the money to buy him his product but had explained to me that he sent it from a joint account with his wife. So his wife called their bank regarding the money. So I called my customer and he said he went to his bank on Friday the XXXX to let them know everything was okay. He had sent me the funds nothing to worry about. They told him it would be 3 business days for everything to be taken care of. Bank of america did not even wait or investigate what was going on. Did not even give me a chance to fix the problem. Which I was in the process of doing. They closed my business account the very next day after this happened. Sent me a letter stating they were in the process of closing it and it would affect my ability to open another account with them or any other financial institution. I called bank of america and they told me it was closed on the XXXX of XXXX. I called my customer and he was mad because he was helping me fix the problem. Bank of america to me rushed into a conclusion about the funds that is very bias. Not once did they try to wait on the problem to be fixed.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a debit card in the mail. I called Chase and they flagged the account as fraud and closed it. I don't even have an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.

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 2021-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was XXXX paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX XXXXXXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation