vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Starting in XXXX I began receiving notices that my property taxes were unpaid ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Tx XXXX ). At first I disregarded thinking the mortgage company had paid the taxes but eventually I got worried and call the County Office.  They said the taxes were unpaid. I contacted Dovenmuehle Mortgage regarding this issue ( XX/XX/20 ) and sent them the last tax bill I had received. They did nothing. I have since sent them 5 messages through their website, three emails and called them three times. Each time they said the problem is solved but then I get another bill. Now I got a delinquent Tax Warning from Lawyers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I just called Dovenmuelhe AGAIN and I talked to a supervisor ( XXXX, who refused to give me her last name but says her employee number is XXXX ) but she refused to send me anything in writing ( not even an email ) acknowledging that they are taking care of the problem. She also refused to give me an extension number or any other phone number of who to call. She says I have to continue calling the call center ( I have spent at least 10 hours on the phone with them this month ). All she said I can do is wait, which is the same thing I was told last week, and the week before and each time I called. I have emailed the company 3 times and also sent them messages through their website ( 5 times ) but I have not received ANY kind of reply. She has no explanation on why ANY of me " secured '' messages were unanswered. In the meantime my credit history is getting ruined and I have a lot of stress from them not paying my taxes. The money is on my account on escrow, so this is NOT a matter of not having the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CL Holdings LLC
State: VA

Complaint narrative:
XX/XX/2020 I send a request for investigation to XXXX. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes Discover Financial No Changes XXXX XXXX XXXX No Changes XXXX  XXXX XXXX ( USA ) No Changes XXXX XXXX  No Changes Jefferson Capital System Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, Jefferson Capital System. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have tried to get a new card Express shipped and it's been 6 days and I have yet again had to order a new card again

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 2020-07-13 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I paid off my credit card balance in full in XXXX before my due date. I thought because I had paid my balance in full on the website it included my actual full balance due, including any interest that I had accrued to date. I based the fact that I paid the balance off prior to my due date that I would have no existing balance for future billing statements. There was interest charged in addition to what was posted as my balance on the website at the time I paid. I had no viability to that interest at the time of payment on their platform. I accrued around {$12.00} of interest that I had no idea about. I was affected by XXXX and unable to check my mail due to potential exposure by touching mail. I did not receive any statements nor phone call explaining I had a balance owed in interest. I get a notification on my credit report of a late payment of {$12.00} dollars. I called the company expecting this to be a simple mistake in reporting since I paid my account in full prior to the due date and I paid the balance owed. I was not treated appropriately and subsequently transferred to like 3 different departments all claiming not to know what the other department does. I asked to escalate over the supervisor I was speaking with and was denied the opportunity to speak to management. I was denied the opportunity to file a direct dispute and was told I can only file disputes with the CRA 's. That is not a direct dispute but an indirect dispute. I wanted to give my lender the opportunity to review what I was telling them was an error. Everyone I spoke to kept repeating how sorry they were and how they understood why I was so upset after being reported negatively after just having paid a balance in full.One of the representatives even waived my interest accrued as a courtesy but said it still needed to be reported late which makes no sense to me. I was not reported to the CRA 's because of an upaid dept. I was reported to the CRA 's for interest which a general customer service representative had no problem waiving for me. I find this action to be predatory and in violation of the Comprehensive Credit Act ( CARES ACT ) and ( HEROS ACT HR6800 ) Section 110401. I had asked repeatedly for a manager and was declined escalation, I had asked for information on how to directly dispute their verbal review and was told I could not dispute it with them. That statement was inaccurate. I feel the company has an opportunity now to rectify the harm I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, and XX/XX/17 my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX won a judgement against me in the name of Midland funding LLC in the amount of {$810.00}. I submitted that my only income is supplemental security income and child support. These financial documents was submitted to the court and a copy was given to XXXX XXXX XXXX on behalf of Midland funding LLC.  On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX threatening to garnish my supplemental security income and child support for the amount of {$880.00}. 

I tried to work out a {$10.00} a month payment plan with XXXX XXXX XXXX on behalf of Midland funding LLC as my only income is supplemental security income and child support. XXXX XXXX XXXX denied this payment plan and proceeded with sending threatening letters to my home stating that they would freeze my bank account if I did not work out a payment plan with them. 

The letter states that if I do not agree with Midland funding LLC payment arrangement that XXXX XXXX XXXX on Midland funding LLC by half will elect to proceed with further collection efforts to collect the debt. 

I called XXXX XXXX XXXX office and spoke to someone in their collections department. I let them know that my only income was supplemental security income and the representative wanted a copy. I told the representative that I have filed all of my financial documents with the court and that Midland and XXXX XXXX XXXX XXXX XXXX  all have copies of those documents. 

The representative then asked me to send a copy of my financial documents and I decline, politely and stated that I have submitted the documents with the court and that I have requested the same court documents from Midland funding LLC, which I received. And that if she needed these documents that is home she needs to request them from. 

I then asked the representative will you be gone fishing my Social Security and child support checks? And the representative said we haven't gotten to that point yet but that might happen if you do not agree to our payment plan. 

XXXX XXXX XXXX and Midland funding LLC is legally aware that my only income is supplemental security income and child support as I file the documents with my local court system and gave a copy of these financial documents to the lawyer representing XXXX XXXX XXXX XXXX on behalf of Midland funding LLC.

Midland funding LLC has also, in the past, sent threatening free legal notices to my XXXXXXXX XXXXon. In ruse to get me to submit and use my social security income and child support checks to repay the Judgment they want against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have called them for the past 3 months due to them misapplying my payments and come the due date, it shows Im past due. I have over paid by what is due each month and have called in but i have to do this each month even though I have been told this would be corrected. It still has not been corrected and I still have to call in to avoid late charges. I already told them last time I dont want to call in each month, this has already been escalated to their emr department. Their emr department was to call me by Friday. A phone number was provided but apparently they didnt use phone number provided and used home phone number and they mentioned someone picked up amd hung up on them. Really? I attempted today to call XXXX who was to be the emr rep assigned. He wasnt available so i chose to leave a message however after the automated system transferred me to his mailbox, his mailbox is full and cant accept new messages so it then disconnected me. This whole thing is beyond frustrating. I called into customer service and they said they need to transfer me to an emr rep. I spoke with a XXXX. He claims that he will address this and have taken care of once and for all, however being as what i have went through thus far you can see my frustration and lack of confidence that this will be rectified. This is now my 3rd complaint about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax reported derogatory credit to XXXX.. There is no negative information on my account with any credit reporting agency. Equifax refused to get me a supervisor or give me any information about the information that was reported, would not give me a copy of the report that was sent t XXXX. I have been denied a credit card based on their info

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: GA

Complaint narrative:
I HAVE DISPUTED THIS DEBT WITH THE CREDIT BUREAUS AND THE ACCOUNT SAYS CLOSED BUT IT IS STILL SHOWING ON MY CREDIT REPORT, THIS ACCOUNT IS NOT MINE I NEED IT TO BE REMOVED FROM MY FILE PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: CA

Complaint narrative:
I'm a first-time home buyer, with no realtor and my spouse was overseas when I handover a {$15000.00} deposit on XX/XX/2020 to Lennar and signed a purchase agreement on XX/XX/2020. I felt being pushed to sign it without explaining the consequences of my action considering that I don't have a realtor & my spouse was overseas. 

The mortgage company is Eagle Homes and I was conditionally approved but the conditions was not explained to me and they are not returning my call for an explanation. 

Due to covid 19 my financial situation has changed ; my mom can no longer help me with the down payment as she needs to help her other families affected by covid 19. In addition, my employer started to require us to contribute for our health benefits. For this reason, I have sent an email on XX/XX/2020 to Lennar to cancel as I can no longer afford to purchase the property. 

I have been following up with the refund of my down payment and ended up being stressed, XXXX  and end up being in the Emergency Room on XX/XX/2020 because I have been told that I can't get my deposit back being conditionally approved but my situation has changed and can longer meet the conditional approval. 

On XX/XX/2020, I just notice a notification that the contract was voided, and I raised a question to Lennar and they said that the contract was cancelled on XX/XX/2020. I was not even informed that the contract was voided XX/XX/2020 and while checking on the docusign that that Lennar will keep my {$15000.00} deposit. 

I was so stressed during this process and on XX/XX/XXXX I had my follow-up appointment with my Family Doctor and ended up having XXXX XXXX XXXX to help me relieve from my stressed so I can still take care of my XXXX ( XXXX ) kids. 

I felt being mislead and defrauded. 

I need help to get my {$15000.00} deposit back.

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 2020-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My first payment was XX/XX/XXXX and sent it XX/XX/XXXX and then XXXX of the month automatically $ XXXX and $ XXXX regular payment and $ XXXX to the principal but the interest is increasing every month and does not decrease I communicate and do not give me a credible reason and still left over 45 minutes waiting on the phone after they hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a Chase Card issued to me by Chase Bank. The account is currently closed with a balance. Due to job layoff, I enrolled the card in a special payment program, which gives the card a fixed rate with a fixed monthly payment so it can be paid off faster. 

I have done this with 2-3 other creditors, and they were also successful in reducing my rate and payment. 

However, with this particular Chase account, Chase is reporting that I am under a " partial payment agreement ''. That is what the remark states on the account on my credit reports. 

This comment is incorrect, and is halting my mortgage process. My attorney and mortgage lender state this is an inaccurate comment, the account is still being paid in full with the balance I had remaining on the account. The reduction in interest rate would obviously lead to a lower monthly payment. The reduction in interest rate does not suffice to be labeled as " paying under a partial payment agreement '' Other creditors I have done a similar program with, have not reported any sort of comment on my credit report. 

Chase has been the only creditor that have reported the comment. 

This is halting my mortgage process, this needs to resolved or my next course of action would be to have my attorney reaching out to Chase regarding the ambiguous comment on the account listed on my credit reports. This is also causing damages to me financially as I am not able to obtain a mortgage note. 

I have attached reference of how the account looks on my credit report with the stated remarks I have mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CA

Complaint narrative:
I have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CA

Complaint narrative:
I have been trying to buy a car so today XX/XX/20 I went to the XXXX XXXX and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized 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 2020-07-13 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: CA

Complaint narrative:
I have been trying to buy a car so today XX/XX/20 I went to the XXXX dealership and when they ran my credit to see if I qualified for an auto loan I was told I did not qualify because there were too many accounts with negative credit history on my credit. I looked through each account and there are five accounts and a few inquiries on my credit report that do not belong to me ; I don't know why those accounts/inquiries are on my credit report or who they belong to but I did not authorize anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards these accounts. I have already filed a police report in regards to these unauthorized 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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have for many months been able to make a principal only payment online with NewRez. Today a principal payment was only allowed if I also prepaid my XX/XX/XXXX payment. I called and spoke to two very nice individuals. The first one said that management new there was a problem with the online system but she could not process a payment without charging me {$15.00}. She transferred me to someone she said had the authority to draft the principal payment without charging a fee. When I was transferred to this individual he also could not draft the payment without charging me. Again I was unable to do this online. The individual tried for 10 min to get a hold of their manager and once they did the manager told him to tell me to call the escalation department, this after I had been on the phone for 30 minutes. This is an UNFAIR PRACTICE and I wonder how many people have had to unnecessarily pay a {$15.00} fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I'm no longer able to link my PNC bank account to any outside service or provider. I'm no longer able to transfer funds to investing accounts and pay certain bills.

Company response to consumer: Closed with explanation