vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I took a approved forbearance. My loan had been current upto the shutdowns. At the end they gave me 3 options. One of which was loan modification. The payments were {$1400.00} starting on XX/XX/2021. The immediately started charging me {$1800.00} per month from day 1. I asked why that was and they said it was new a escrow analysis. Well I would have went with one of the other options. They are also charging me {$2000.00} in late fees and property inspection fees during the agreed forbearance period. Now they are telling me they are going to take my home unless I agree to a short sale. I have {$1400.00} since XXXX to pay them. What they are doing is very wrong. Im hoping they can be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
UPSTART please remove the application and supporting documents from your system as I decided I do not want to get a loan. I ask that the company Upstart to stop using my tax return information to solicit my children, my husband, and my family to apply for loans with UPSTART as we are not interested. 
The company UPSTART did not resolve the issue because they did not answer the issue. This company disregarded a request to cancel my loan application. This company has used personal information from my application supporting documents and issues a loan request to my children who are listed on the application. I do not want a loan with UPSTART I am requesting that they remove my information from their system because of their unsafe handling of individual personal information as they were in a lawsuit for this problem. I want them to stop contacting my children for loans and stop using my canceled application to allow others to solicit me for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid off my loan in full after closing on the sale of the home. The lender has confirmed receipt of the full payoff amount as of XX/XX/2021 and loan balance was confirmed as {$0.00}. The escrow balance has not been refunded to me as of XX/XX/2021. I have requested the refund 3 times but the lender is unable to trace status of payment or give a date of when payment will be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Loan was paid off 6 years ago. I am trading the vehicle in for a new car and when I went to the DMV to get a duplicate title I was informed that there was still a lien on the title. We don't recall ever getting a title. I called TD Bank on Monday and explained that we needed the lien release and that this was a very urgent matter as I was not going to have a vehicle to drive until I was able to get the title. I was told that the request was expedited and should take 1-2 days to get the release. When I called to check the status I was told that the release was faxed to my # as well as the DMV 's fax #. I had not received in my box but went to the DMV to check with them ( we can not contact the local branches in SC ). They had not received the fax. I called TD Bank back and was then informed that my request had just been reviewed ( 3 days after I called to file the request ) and it was take an additional 1-2 business days and the release had not been faxed. I called back on Thursday trying to get somewhere with getting the release and was told again that the fax had been sent to both # s that afternoon. I still had not received in my box but on Friday morning I went to the DMV again and they still did not have the fax. Called TD Bank again and was told that it was sent. I explained to them they must have some problem on their end because out of two fax # s neither are receiving the document. I finally received the lien release Friday at XXXX and took to the DMV to only now be informed when they tried to release the lien that it was electronic and TD Bank had never released the title. TD Bank must electronically release the lien so that the title will be printed. Why was my account not researched at the time that I put in my original lien release request and the lien released? Why was this not done 6 years ago when the vehicle was paid off? This has caused me to miss time at work with having made 4 separate trips to the DMV and hardship that was unnecessary if the lien had been released when the loan was paid off. I will now have to wait for another unknown amount of time to be able to get a drivable car since I can not provide a clean title. Expediting any request does not work as it took just as long as a normal request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX called a phone owned by a family member and provided account information including creditor and balance due without attempting to validate more than a first name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revco Management, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I had a XXXXXXXX XXXX pursuant to an XXXX follow up that my doctor informed me that he saw something light up on my XXXX. Not to mention that I already know about a XXXX XXXX that I have. The XXXXXXXX XXXX was completely unnecessary, and I found out it was the same XXXX I knew about. I explained this to XXXX XXXX and they agreed, but my bill had already gone into collections even though I was told to fax a letter to XXXX XXXX, which I did. On XX/XX/XXXX, XXXX ( XXXX ) called me quite early in the morning and was very rude and nasty. I was extremely upset with her tone and badgering. I don't feel it is acceptable to speak to another person that way especially when you are calling about a scan that not only was unnecessary, but led me to believe that I might have XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied credit and found Capital One Auto Finance Account on my credit reports Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: NC

Complaint narrative:
Alright, I am aware covid restrictions have been lifted. I sent this mail on XX/XX/2021 to all three credit bureau 's AND still no response other than we are working on it from these bureaus. I put in a CFPB complaint when they didn't respond to me after 30 days. Now this was has been far longer than 45 days and still no resolution. FCRA 15 USC 1681i in that very first paragraph states 30 days for investigation and 15 days for an extension. It's been 48 days! The law says if the items can not be verified within 30 days the investigation can not be more than 30 days. Clearly, there has been trouble finding the information required because it was never sent to me by the company! It was never sent to me which violated 15 USC 1666b ( a ). Now this is violating 15 USC 1681i ( 5 ) ( A ) and the treatment of unverified information after 30 days must be modified or promptly deleted. So can I please have these false late payments be modified to paid as agreed pursuant to law. These are written instructions I am giving to the credit bureaus according to 15 USC 1681b ( 2 ) and that law states there should be no consumer reports furnished without my written instructions. At this point, I feel like I am the only one reading this law. Please help and correct this fraudulent information. It's been 48 days. I am tired. This is extremely unfair and from my understanding, unlawful. I plan to go to the XXXX  and the Attorney General next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover Financial Services LLC failed to validate their account and Discover Financial Services LLC have no knowledge of who opened the alleged account. AGENT NAME ( Fraud and dispute department ) requested the authorized representative for IDENTITY THEFT VICTIM to sign the name 3 times on documents provided by Discover Financial Services LLC and send in identification on an account that is listed as closed & charge off. ( IDENTITY THEFT VICTIM ) is a victim of identity theft and will not disclose any private information without proof of a previous contractual agreement with Discover Financial Services ; signed wet-ink. Discover Financial Services LLC received insurance payments each time the account was charged off. AGENT NAME was informed that the call was being monitored and recorded also. Discover Financial Services LLC failed validated their alleged account.

Discover Financial services LLCs representatives failed to request an address, phone number, answers to security questions or anything that could actually identify IDENTITY THEFT VICTIM. 

Discover Financial Services LLC is NOW conducting fraudulent credit practices by updating information on IDENTITY THEFT VICTIM 's credit file without verification of data. Discover Financial Services LLC has also been proven to be a fraudulent card member service company that violates its alleged clients rights. 

On XX/XX/2021 an email was received from AGENT NAME of the Executive Office of Customer Advocacy. Identity theft victim has no idea who the email came from. Only the CEO of Discover Financial Services received an email. This email will also be added to the proof of failed validation attempts from Discover financial services. 

all supporting documents will be uploaded per requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Our property taxes are escrowed with our mortgage company : Dovenmuehle. Our XXXX property taxes were due XX/XX/XXXX but Dovenmuehle failed to pay these taxes. I received a letter from XXXX XXXX XXXX XXXX XXXX informing us that our property taxes were delinquent on XX/XX/XXXX. I immediately contacted Dovenmuehle and was finally able to find out that they had sent the tax payment and a portion of the late fees via regular mail. I received a 2nd letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX informing me that there was still {$50.00} due in late fees and that they have placed a lien on our property! I immediately went to and paid the remaining {$50.00} out of our own pocket to ensure that our house was not foreclosed due to Dovenmuehle 's lack of action. 

I have spoken on the phone to Dovenmuehle at least 3 times : XXXX and supervisor Candle on XX/XX/XXXX, supervisor XXXX on XX/XX/XXXX ( who was supposed to follow-up with me but never did ), and supervisor XXXX on XX/XX/XXXX. Each time I was advised to email XXXX. I emailed this email address on XX/XX/XXXX and XX/XX/XXXX. I received a response on XX/XX/XXXX that " Our records indicate that we disbursed to the XXXX County on XX/XX/XXXX in the amount of {$3600.00} from your escrow account. We are next scheduled to disburse the anticipated amount of {$3100.00} in XX/XX/XXXX. '' This amount does not include the {$50.00} that was still outstanding so I contacted Dovenmuehle via phone and spoke to supervisor XXXX on XX/XX/XXXX. He again advised that I send proof of payment to XXXX. 
He confirmed receipt of the documentation on XX/XX/XXXX and assured me that it would be addressed and he would confirm with me XX/XX/XXXX. I never heard from him again. After resending the information on XX/XX/XXXX, I finally received an email response on XX/XX/XXXX that " Our records indicate that this matter was researched thoroughly, and it was determined that your taxes are paid current. We are next due to disburse a {$3600.00} tax payment on your behalf to the XXXX County Tax Commissioner in XX/XX/XXXX. '' I responded again on XX/XX/XXXX with documentation stating that they still owed us {$50.00} but don't expect a response. Hours on the phone over at least 3 calls and 5 emails later, we are still out {$50.00} with a lien on our record for 7 years. The customer service at Dovenmuehle is atrocious!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MD

Complaint narrative:
Have a Problem with XXXX  there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on 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 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
Understanding from my original home mortgage loan lender. I could request the PMI insurance removed once I've paid down to 80 % of loan value. My mortgage loan was sold to Planet Home Lending within months after getting the loan. I contacted Planet Home Lending in XX/XX/XXXX about removing the PMI. I got a response from Planet Home Lending, informing me of the 80 % loan amount to have the PMI dropped. Now, I have met those requirements, and requested the PMI removed. Planet Home Lending are saying I do not meet their requirements. I have a copy of the email from Planet Home Lending, stating the only requirements to be made. I will like Planet Home Lending to honor their word per email response. I have copied the email for viewing ... .. 


XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to cs On my home loan # XXXX, what is the amount needed for my PMI removed? How do I get my PMI removed on my home mortgage? I would like to pay down the house, so I can get the {$59.00} mortgage insurance removed. Thanks! 

XXXX XXXX XXXX, phone : XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX cs_m XXXX XX/XX/XXXX, XXXX PM to me Thank you for contacting Planet. 

We apologize for our delay in responding. 

Currently we show your loan to value ratio is at 92.7 %, you may request cancelation of MI when reaching 80.0 %. 

Based on the original amortization you were expected to reach this percentage by XX/XX/XXXX, you will reach this percentage sooner since you are adding additional funds towards principal. 

You will be at 80.00 % when your principal balance is approximately at {$200000.00} currently your principal balance is {$230000.00}. This is an estimated difference of {$32000.00}. 

If you have any additional questions, please do not hesitate to contact Customer Service Monday through Friday, XXXX XXXX  - XXXX XXXX  EST at the number listed below. 


Thank you, Planet Home Lending , LLC CUSTOMER SERVICE DEPARTMENT P : XXXX F : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was recently released from Florida Department of Corrections after being XXXX  for XXXX years and XXXX months. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from XXXX XXXX which had been sold to Portfolio Recovery due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in XXXX we did not have access to the internet. I have proof that I was XXXX  the entire time. I called Portofolio Recovery on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with XXXX XXXX being that I was in prison for XXXX  years and XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I went to a XXXX XXXX and tried to apply for their credit card and when asked for my social security, it showed on their screen someone was already one file with the same social security. And they told me I could get the credit card because someone already had one under my social security.

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 2021-06-18 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: FL

Complaint narrative:
Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXXXXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX  XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
See several dispute letters ( uploaded ). Neither entity has responded to me as of yet and it has been more than the allowed 30 business days. Additionally, they sent me misleading & incongruent communication, then charged fees and interest on top of fees after they said they would close my account and they are still reporting me delinquent on 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 2021-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: NY

Complaint narrative:
this debt collection company ( COLLINS ASSET GROUP ) has illegally obtained my information and used It to obtain credit from other Financial institutions without my consent.My consumer rights have been violated, and I want the cfpb to remedy this issue asap. please see all attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid a contractor by the name of XXXX XXXX a duplicate payment of {$3600.00} via XXXX on XX/XX/2020 in which I asked my credit card company to refund the duplicate payment. I provided proof of the paid invoice signed by both myself and the contractor. I also provided a copy of the email he sent in which he requested for a refund to be made to me as he confirmed I didn't have a balance outstanding. Instead of refunding a refund, Capital One provided a chargeback and has since been charging me interest on a balance I didn't owe. I have spoke with both XXXX and Capital One to get the issue resolved. At this point XXXX said they are willing to refund me my money once Capital One reverses the chargeback that occurred in XXXX of 2020 and provide proof other than my billing statement to show where the money was returned back to XXXX. XXXX has taken the position that they are yet to receive or be able to track the money that was supposed to be sent back to them.

Company response to consumer: Closed with explanation