vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
Dear Sir or Madam, I wish to file a complaint against the entity, HomeLoanServ., of XXXX Idaho XXXX inregard to fraudulent escrow relaeses, and improper handling of escrow moneys, in the regard of my home @ XXXX XXXX  XXXX XXXX, XXXX Id. XXXX. Last year, after a house fire, XX/XX/2020, The insurance company, XXXX XXXX XXXX XXXX XXXX, depositet over XXXX $ in escrow to HomeLoanServ. The moneys were to be released in draws, as work ws completed and verified. The moneys were to be released in XXXX party checks, to ( myself, the homeowner ), and the contractor, XXXX XXXX XXXX, of XXXX Id. In XXXX of this year, the final release if funds was done, completely without my knowledge, or any endorsement of any kind by myself, who is a lifelong singleman, with no heirs or assignees. Upon independant inspection, it has been determined that the work that has been done os both shoddy and substandard. The inspector certifies that work was done after inspection, without sanction. It seems much of the work must be re-done to comply. It was also stated by HomeLoanServ., that the cotractor was within two weeks of completion, and the funds drawn were used to that purpose. I wish to see factual invoice of these contentions. XXXX XXXX are both fraudulent and lying, and I beleive that criminal prosecution is in order, for them and the escrow office of HomeLoanServ. 
Please contact me at XXXX XXXX XXXX XXXX XXXX, or by e-mail. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX chase Informed me that my escrow analysis had been done and that my monthly payment of XXXX was being increased to {$1500.00} because my escrow was underfunded. I opened the loan with guaranteed rate XX/XX/XXXX. Chase received the loan from guaranteed and that is who I now pay. The escrow analysis showed that I began my account with {$1.00}. I gave chase a call to try and fix the problem and was told that this was correct and they had just paid taxes and this was correct. I stayed on the line for hours until finally a representative looked at the closing documents and told me she saw what I was seeing. She told me to dispute this and on XX/XX/XXXX, chase informed me that they found nothing wrong with the dispute. When I a asked them to take a look they told me this was not an internal issue and I am on the hook to figure this out. I have contacted mortgage lender and she informed me that it is wrong. Chase has been predatory in their ability to shove out a half done analysis without looking at any red flag ( i wasnt allowed to start a mortgage loan without prepaid escrow as part of my closing documents ) and shoved an increase on me. To have representatives tell me that it was a legitimate increase or keep me on hold for hours seems like a tactic being used to get people to shut up and just take the unjustified increase. I felt that I needed to contact a government agency because if I did not have a finance background like millions of other Americans I would likely have given up thinking this was just over my head and I was wrong. This is not right and this bank is not serving its customers. I am happy to discuss anything else on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NJ

Complaint narrative:
I had set my accounts with XXXX XXXX XXXX  to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# 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 2021-04-05 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: NJ

Complaint narrative:
I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: NJ

Complaint narrative:
I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# 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 2021-04-05 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Last week, Sequiim added a collection account to my credit report for XXXX XXXX I have NEVER had been contacted by them nor XXXX XXXX  for anything and have disputed with XXXX and XXXX. I have NEVER had XXXX XXXX. This collection account is not been vslidated and does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
My loan was sold and no information was given to me. No mail was received nor was a email was sent to the account listed. I've wasted 2 hours of my time trying to pay my mortgage. Why can a company sell my loan and not give disclosure to the consumer in this process? The company is Loan Care ( which has not cared for my loan )!! They can be reached at myloancare.com

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 2021-04-05 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: VA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2021-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am writing today in regards to my Ford Account XXXX. I had previously sent in a request cfpb case # XXXX to which I got a response saying that they will make the information not available in the months of XX/XX/2020 and XX/XX/2020. It has been over three months and they have not followed through on this. It is still showing the late pays in XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX continues to report inaccurate information to the credit bureaus on my credit report. I have written to XXXX popular many times and they told me that they were going to fix it because they made the mistake. It has been over 6 months now and they still have not fixed it. The bank representatives that I had spoken to at XXXX XXXX Vi, is miss XXXX XXXX and XXXX XXXX. I am hereby asking them to please fix or delete this derogatory item from my credit files/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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
We are in the process of refinancing our home with Freedom Mortgage. 
We started the process back on XX/XX/XXXX. At that time our estimated close date was the XXXX of XXXX. I have had to reach out each time to communicate and ask for an update on the status of our loan. 
We have provided all documents that the company has reached out about in an extremely timely manner, same day or very next day, so clearly we arent holding anything up. 

After reached out to one of the customer service reps, XXXX, at the beginning of XXXX, since we had heard nothing and we should be closing, we were told that they had everything and the close date was pushed back to the XXXX of XXXX, not a problem. 
We then received phones called on the XXXX, XXXX and XXXX of XXXX stating that they had everything they needed but were waiting on a third party, XXXX, for subordination, fine. 
We then received a doc u sign email on the XXXX of XXXX stating that we needed to provide more document, weird since the last 3 weeks we got calls about how they had everything. 
So at that point I called our original rep, XXXX, to ask what these were about, since they came from his email. 
I spoke with XXXX who had no idea why we would have gotten that. He did let me know that they needed updated info since it was taking so long. 
One of the question they had for my husband was about his parents address, somehow the underwriters need an explanation for it, but ever had a question about it in the beginning when they pulled his credit. 
After providing everything, even things that XXXX missed on the email, by XXXX the following morning, we still had no update. 
I had also asked XXXX the following evening to have a supervisor call, no one did. 
I then asked XXXX to have his supervisor call me, this was on the XXXX, which also never happened. 
I ended up reaching out to XXXX the morning of the XXXX and asked to speak with his supervisor, in which he transferred me to XXXX XXXX. 
I spoke with XXXX and expressed my concerns about the process of the refinance and how frustrated I was with the extreme lack of communication. 
He stated that he would look over our file And figure out what was going on and either call or email that day with the Status, which never happened. 

I called and left two messages on Thursday, XX/XX/XXXX, and still have not heard back from anyone. 

This is extremely irritating and frustrating. 
I would NEVER recommend this company to anyone.

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 2021-04-05 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: VA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Westlake Services, LLC
State: VA

Complaint narrative:
Over the past 36 months I've requested the update and or removal of the inaccurate information of the account with Westlake Financial in California. I have a certified letter from them stating that my account has been paid in full. When I dispute the inaccurate information showing charge off on my credit file with XXXX, XXXX and XXXX there has not been any change. My concern is that my interest rate and the ability to buy a new car has been impacted due to this company 's inaccurate reporting on my personal and private credit profile with all three major credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF THE WEST
State: LA

Complaint narrative:
I have completed 209 of 210 payments on RV loan and now being charged over 5000 in additional interest and late fees. I have requested documentation or amortization schedule as to how these fees were incurred but received no response. Recent payments were not applied to principal balance at all.

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have filed prior complaints because they showed me 30 days late every month or 60 days late, late from the transfer of the mortgages to SLS in XX/XX/2018. They finally fixed the credit reports a couple of months ago, so we were able to apply for a refinance to get a lower rate, lower payment ( which they escalated by making improper payments from escrow ), and to get away from this disreputable company. We are almost ready to close on the refinance, and now they have done it again. I even have their receipts that show the payments and they still report to the credit bureau. I have to pay a monthly fee to a credit monitoring company and over {$7.00} per month every month to send payments usps priority mail. I contacted their rep that corrected it before, but no response. If we lose the refinance, it is because they are violating the law and defaming me by the false reporting. They need their license revoked IMMEDIATELY!!! THEY NEED TO CORRECT THIS 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 2021-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. 

Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. 

Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. 

This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. i have not purchased a new car {$400.00} is past due

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 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 Cash app emailed me talking about XXXX XXXX had my financial information an I do not remember giving them permission to have my financial information. I am a federally protected consumer and I feel like they are violating my rights to privacy. I feel like I should be remedied for them violating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: KEYCORP
State: OK

Complaint narrative:
I am writing to dispute a late payment reported on my account from key bank for the month of XXXX through XX/XX/XXXX. 
The reported account I had opened with XXXX bank with my mortgage account in XXXX. Then XXXX Sold their branch to XXXX XXXX bank in XXXX and transferred my mortgage and bank account to XXXX XXXX Bank XXXX XXXX XXXX XXXX NY XXXX. In XXXX, XXXX XXXX XXXX converted to Key Bank and my account was transferred to Key Bank ( XXXX XXXX XXXX, NY ). 
Then after some time Key Bank branch at XXXX XXXX NY closed and they transfer my mortgage account to XXXX XXXX XXXX bank in XXXX XXXX, NY ). My checking account transferred as showing recorded to XXXX branch. 
In XX/XX/XXXX, I received a call from KEY BANK that I have dues that is : XXXX USD and I noticed when I pulled out credit history, that they have reported a 4-month XXXX through XX/XX/XXXX late payment. 
I paid that amount to avoid any late payment then I called key bank to ask what kind of dues they had reported. I had no activity with this account for many years and my balance was XXXX. 
Then the representative explained to me over the phone that they charged me for returned undelivered mail fees. 
How can they charge me for undelivered mail when Key bank had NEVER made any agreement with me and I also have no agreement with XXXX or XXXX XXXX WHERE THEY STATED that they would charge me for undelivered mail? That is why the XXXX XXXX bank never charged me fees while I was living out of country from XX/XX/XXXX to XXXX. 
Please kindly remove any late payment reported from my credit history. I dont have any fault. I never made late payment with any one in my credit history in the past 17 Years. 

Please kindly review my case and remove late payment report. 
I will be very thankful to you. 


SUMMERY : CAN BANK CHARGE ANY FEES WITHOUT ANY AGREEMENT WITH CONSUMER? 
THIS ACCOUNT NEVER OPEN WITH KEY BANK IT WAS TRANSFERRED FROMY OTHER BANK THAT NEVER CHARGED ME ANY FEES FOR RETURNED MAIL WHILE I WAS OUT OF COUNTRY.WHY KEY BANK CHARGED ME RETURNED MAIL FEES WITHOUT INFORMED AND AGREEMENT?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My previous complaint on this same topic - XXXX. It takes SUNTRUST now TRUIST a month to process payments. In XX/XX/2021 I received a bill and made three payments to try and rectify the situation with n success. They still charged a late fee and interest. until I complained and got it reversed. They tried to blame me saying aI I used the wrong address. When that proved to be a bogus strategy they then blamed the post office. When I pointed out my previous complaint predated recent postal problems which they said started in XXXX they told me to drive to the branch and pay in person. 

For the month of XXXX, I received a bill for {$150.00} and paid on XX/XX/XXXX {$400.00}. The payment has still not been logged in. I suspect they are doing this to garner late fees and interest charges.

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