vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
In mid XXXX of 2020 I contacted the " special loans '' dept. of my Mortgage servicing company ( Dovenmuehle ) and I spoke to " XXXX '' regarding a one time " recast '' request in order to lower my monthly mortgage payments. 
On XXXX I received mail from Dovenmuehle dated XX/XX/2020stating that if I were to wire them {$130000.00} plus a {$300.00} fee my monthly mortgage payments going forward would be reduced from {$2300.00} to {$1500.00}. On XXXX I requested my credit union ( XXXX ) to wire Dovenmuehle {$130000.00}. Unfortunately, XXXX made a clerical error and wired {$150000.00} instead. 
When I received my XXXX mortgage statement I noticed that my monthly mortgage payment still remained at {$2300.00} and the {$150000.00} payment went to reduce my principal. 
I contacted my credit union and they acknowledged their error and suggested that I contact Dovenmuehle and claw back the difference. I contacted " XXXX '' again ( not an easy feat ) and she stated they would fix my issue within days. When I did not hear back from " XXXX '' I contacted my credit union and a senior officer " a problem solver '' conducted a 3 way phone call ( poor guy was on hold for over half an hour ) between me XXXX and him. In order to make this transaction more expedient I agreed to give Dovenmuehle the entire XXXX and not to claw back any monies wired to them in return would have a lower monthly payment of {$1400.00} communicated to me via a letter dated XX/XX/2020. 
When I went on their website to make my XXXX payment I was not able to do so as it required that I pay the original {$2300.00} I made several calls to Dovenmuele and the reps. had no knowledge of my situation and would not transfer me to " XXXX '' or anyone else in the " special loans '' dept. 
On XXXX XXXX I received several documents from Dovenmuele which I had to get notarized and send back to them via self addressed XXXX envelope. I got the documents notarized the same day and attached my XXXX payment of {$1400.00} in a clear sealed envelope attached to the notarized documents. 
I have since gotten several debt collection calls from Dovenmuehle even though I have called several times and spoken to two seperate " supervisors ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, during the trip to XXXX, I lost my wallet. I immediately notified the credit card company of the lost card. I informed them that the loss occurred between the check-out from the hotel and the taxi trip to the airport, I reported the incident to the airport police station but to no avail due to the language barrier. They informed me that they do not write a report for a foreigner who lost their credit card and informed us to report the loss to the credit card company. 

We reported the lost/stolen card to HSBC and the subsequent unauthorized charges on the card which we disputed as a fraud. On XX/XX/XXXX, HSBC closed the stolen card account and credit all the unauthorized charges. Soon after the old account was closed and a new account was created, HSBC reversed the credit to the new account and charged us finance fees, late fees, and interest fees. 

We make a good faith payment of {$50.00} of minimum payment to the newly open account, hoping that they will reverse the charges and credit us for the {$50.00} we paid We contacted them again in XX/XX/XXXX and requested the total balance and all fees to be credited. HSBC first respond was the fraud claim was denied and demanded us to produce evidence of fraud. We told them we could not produce one since it was impossible and as stated reasons to them in XX/XX/XXXX. They denied our claim and stated they will investigate. 

60 days went by, and HSBC did not inform us of their decision until XX/XX/XXXX, we contacted them again to inquire of the decision. They informed us they still investigating and waiting for the merchant to respond. 

On XX/XX/XXXX, they denied our claim again and reasoning that we must produce evidence of fraud. 

We informed them that they have violated federal laws of charging interest fees, late fees during the investigation, They also violated several FCBA laws. 

While pending investigation, HSBC continues to charge interest, late fees, and report our late payment to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
LoanCare Mortgage Services have misplaced or not posted my payments 7 times now. I do bank drafts that my bank pulls directly from my account and deposits into their account, however LoanCare keeps stating they didnt receive a payment and call it late when they finally post it 5-13 days later. They intentionally do this to get late fees. My bank has investigated payments and all processed on exact dates I specified. They guarantee this. LoanCare is doing fraudulent things and need investigated.

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 2020-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian should not be reporting a collection in the amount of {$5500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was originally from the City of XXXX and was apparently for an electric bill. I never missed a payment for my electricity and have always paid on time. There was a tornado in the area and consequently the power was out for over ( 4 ) days. I never received any notice that the account was in jeopardy nor did I have any expectation there would be a bill due for this large a sum. I was not aware that this account had gone to collections until I received my most recent copy of my credit report. I have tried to contact the electric company as well as to resolve this issue however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau as well to remove this but have not been successful.

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 2020-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit card company, set a past due amount, when I had paid the account in full. The bill me for yearly, credit card protection with out notifying me of the new balance. The past due fees were cancel and dismissed by the credit card company after being notified by me. I disputed the past due in my credit report, but it was never deleted.

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 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.

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 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I am behind on my mortgage. Over the past year my loan has been sold twice and the current holder is Gregory Funding. I have submitted an application for loan modification or any assistance and I was denied because they stated that wanted a downpayment of approximately {$65000.00} to do something which they know I do not have so I was denied. They stated that the are only a service agent for the holder of my loan who is an investment company and they are not an institution that can offer load modification or refinancing due to their rules. 

I feel that they are not being helpful with helping me with my situation. If I had the funds to pay them, I would be able to pay the default payment to get me current, but their inability to offer forbearance, refinancing or loan modification is not legal and I am filing a complaint. I may be missing information you need and will be able to submit any information you need. 

XXXX XXXX XXXX XXXX XXXX

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 2020-04-24 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}

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 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}

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 2020-04-24 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am XXXX XXXX Military. I have given my wife complete power of attorney over all of my affairs. My auto Loan was sold to a collection agency by the name of Westlake Portfolio Management. My wife made every attempt to do business with this company by submitting the power of attorney and speaking to the companies lawyer via email. They continued to deny her access to manage the account so we went to our local JAG office and had them investigate this matter. After the investigation was complete they found that this company has violated several North Carolina laws to include the Truth in Lending Act Discrepancy, False Rebate, and Unlawful " loan packaging. All that was requested at the time was that a voluntary surrender of the vehicle take place and the vehicle to reflect positively on my credit report. In a verbal conversation with my JAG attorney, Westlake 's attorney XXXX XXXX agreed to the surrender and was in the process of handling this matter. A short time later a repossession truck came like a thief in the night and took the car without any attempt to retain the keys that were in our possession. When our attorney brought this to Mr. XXXX 's attention he sincerely apologized and said he would handle it. My attorney has not heard from him since. We have sent out demand letters to this company and they have gone unanswered. This company has since reported this as a repossession to the credit burros and damaged my credit significantly. I have tried to dispute this with the credit burros and Westlake has now been reporting a deeper delinquency on a monthly basis causing my credit to plummet. I have enough to deal with in the XXXX XXXX then to deal with this level of harassment. My JAG attorney has advised that I seek an off base attorney to sue Westlake for all it has done and continues to do. Westlake will respond to this site with lies as they have done in the past. After investigating this company I have found that they are in over there head with lawsuits for harassments to customers. After my wife has made over fifty attempts to deal with this company with not only my power of attorney but with my written and verbal consent as well, she has asked Westlake to stop harassing her if they refuse to deal with her. They have made well over fifty harassing calls to her calling her XXXX, XXXX, and threatening her with jail, garnishment of her social security checks, and ruining her life and she's not even on the loan! I want this company to be held accountable for there actions. They are bullies and unprofessional!! Enough is Enough!! What a way to treat a service member and there family. Shame on you Westlake Portfolio Management!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2020-04-24 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: PA

Complaint narrative:
My issue is still not resolved. The form I received through the mail through Transunion does not have the pin number listed on it. The instructions indicate I need to go online to retrieve the pin. The issue is that I can not register a minor online. On Transunion website I will either get a error message or will be directed to a page that indicates I need to mail in additional documents. I have already done this twice with no response from the company. I only received a response from the company when I have filed a complaint with the CFPB which is unfortunate. I should not have to use this avenue to contact a company and get a issue resolved. The company should have effective means internally to resolve issues such as this. I must say this has become rather exhausting as I have been trying to get this issue addressed since XXXX yet it is almost XXXX and I am still trying. I would love to speak to someone personally to get this issue resolved. Even now as I have tried multiple times to call the customer service line at XXXX I can not reach anyone, just music. At this point I have been on hold for 45 minutes and still have yet to been able to speak with anyone. Can someone please help me!!!

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 2020-04-24 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-24 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: PA

Complaint narrative:
Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX, XXXX and Equifax failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.

Company response to consumer: Closed with explanation