vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Please read the attached documents outlining my concerns and response to  Dovenmuehuel  Mortgage. I have been put 30 days past due  in all  XXXX -credit bureaus and  XXXX  for a problem the   XXXX   XXXX   XXXX   XXXX  has owned up to and provided me with a letter to submit  to Dovenmuehuel.    Dovenmuehuel refuses to remove the derogatory information from my credit reports, and this has destroyed my credit worthiness and score respectively. After numerous conversations with Dovenmuehuel, I  have been told to live with it, because they do not have to change anything in my credit report because it is correct, regardless of the fact that another financial institution created the mistake.     I am in desperate need of assistance here. Thanks to  XXXX , with CFPB, she coached me on how to submit a complaint and work to get this matter turned around.      Dovenmuehuel has destroyed my perfect payment history with the credit bureau, along with my credit score. Because it is a VA mortgage and now shows 30 days past due one-time, I can not even refinance at a higher interest rate just to move my mortgage away from Dovenmuehuel. It is sad that the se high-powered institutions can destroy your credit and your life overnight, and laugh about it as it happens.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NH

Complaint narrative:
We would like to submit a reoccurring complaint for close complaint #  XXXX . Although we appreciate the office from MyLoanSite.com there are still  XXXX  facts that are n't addressed in their resolution offer : # 1 - Dakota Lending ( dba MyLoanSite.com ) is not a licensed financial institution in the state of NH and therefore can not legally loan money to residents of the State of NH.      # 2 -  The highest legal loan percentage that a registered financial institution can charge in the state of NH is 36 %.     Lastly, in full disclosure, I have also contacted the New Hampshire Banking Department and New Hampshire State Attorney Generals office and have filed complaints with these agencies as well. I am more than happy to remove these complaints should we move towards an acceptable closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
NationStar Mortgage charged {$75.00} for " maintenance '' as a lender expense, statement dated  XX/XX/XXXX  ( attached ).   I called them at  XXXX  to ask what this was for, and was informed that it was for " lender paid items '' related to " upkeep of your account '' for " service related to the loan on the property '' and about 25 minutes later ( after being placed on hold several times ) that it was " charged for inspection done on my property '' on "   XX/XX/XXXX   '' I asked that a copy of the report be sent to me  (  it is attached ). The invoice is for {$15.00} dated   XXXX   ( not {$75.00} and not   XX/XX/XXXX   ). Additionally, there are several errors in the report -- such as the property is a  XXXX -family brick row worth {$300000.00} and that a relative was interviewed -- which makes me believe this was a phoney report.   My former mortgagor  XXXX  sold all their loans to NationStar in   XX/XX/XXXX   and I am wondering how many other people received the same {$75.00} fee. If every single mortgagee from  XXXX  was charged {$75.00} during the buyout / transition, that could be hundreds of thousands if not millons of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
this is not a valid account

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 2017-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
this is not a valid account

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 2017-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
this is not a valid account

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
A judgment was rendered and satisfied.    US COLLECTIONS WEST  Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , AZ  XXXX  Phone : (  XXXX  )  XXXX  Is still pursuing additional money, which I strongly feel is NOT due to them after their attorney collected money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I requested an analysis on   XXXX   of my escrow account since my property was new construction when I closed in   XXXX   XXXX  . Since the property was new construction my taxes were set up using the tax amount on the unimproved value and not the improved value. I was told account analysis would be done in   XXXX   since my account has been with the servicer for less than a year. However, I was told on  XX/XX/XXXX  I could request an out-of-cycle analysis. On   XXXX   I requested the analysis and was told I had to wait until   XXXX   for my account to have an escrow analysis done. What benefit is there to me to wait until  XXXX  for my account to be analyzed and find out my payment is being increased and there is a shortage in my escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
The lender has not provided a response the our QWR request and initiated foreclosure within the early intervention period in violation of Regulation X , 12 C.F.R. 1024.41 ( f ).   Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Citi di d not credit my account with the  XXXX   ThanYou  reward points I was promised for opening a new ThankYou Preferred credit card and meeting  minimum spending requirements back i n 2014.

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 2017-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I refinanced my  XXXX   XXXX   XXXX  lease with    XXXX   XXXX    XXXX   XXXX  t  in  XXXX   XXXX . For a year now I have been trying to get an issue with  my Title  corrected. After trying for a year Chase has b  ee n unable to resolve th e Title issu e with no resolution. My original lease financing was through  XXXX   XXXX . At the end of the lease I purchased the car through  XXXX   XXXX   XXXX . At the time of closing,  XXXX  sent me letter stating the   XXXX   XXXX     Title w as sent to  Chase ( the lienholder ). A year later, Chase has y et to take possession of the lease. I moved to   XXXX   in  XXXX   XXXX . I call ed Chase to  request the  Title  paperwork so I could register my car in the state of   XXXX   in  XXXX   XXXX . They told me they would send me the proper paperwork to allow me to register my car. I never received the paperwork. I called about 30 days later and informed them I never received the paperwork. They told me they would resend the paperwork. After the third or fourth request for the paperwork, I was informed they are unable to issue the paperwork because of a  Title issu e and would send me paperwork that would allow me to obtain a temporary registration in  XXXX . I never received the paperwork for the temporary registration. There are  two things Chase  has been unable to resolve, (  1 )  they have been unable to properly title the car in  XXXX  which would allow me to transfer it to   XXXX    and ( 2 ) they have been unable to send me paperwork to obtain a temporary registration in  XXXX . The last time I spoke with them on  XXXX   XXXX ,  XXXX , I was told they contacted  XXXX  to request paperwork ( that was already sent by  XXXX  which  Chase l ost ). WHen I contacted  XXXX  to confirm  Chase had con tacted them for the paperwork  XXXX  was unable to verify any correspondents. It appears because this is a unique situation, the customer service reps are misrepresenting the actions they are taking in order to get us off the phone. Everytime they call they try to push us off and give us arbitrary timelines. I have been living in   XXXX   for almost 7 months now and have been unable to register my car. My   XXXX   registration is expiring in  XXXX   XXXX  and I am unable to register in  XXXX  This is causing me to carry  XXXX  auto insurance policies,  XXXX  in   XXXX   and  XXXX  in   XXXX   I am unable to cancel my  XXXX  insurance policy until I return my  XXXX   plates  however I ca n't turn in my   XXXX    plates until I register my car in    XXXX  . I am unsure what to do at this point as  Chase is not taking ownership of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX  of  2013, m ortgage loan with  Chase  was in a pre-foreclosure status. The loan was satisfied ( paid in full ). It is being reported as foreclosure/paid. This was not a short-sale nor a foreclosure. I have a settlement statement as well as my HUD statement from the closing. I am asking that the word " foreclosure '' be removed from my credit reports or that the term " pre-forclosure '' be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
I have been trying to remove my PMI from my account since approximately   XXXX   XXXX   XXXX   .  I have spent many hours on the phone with customer support and every time get different answers. They have canceled my requests. Most recently they told me I could have my own appraisal and after I had submitted it said they no longer accept appraisals. The original problem was they said I could have an appraisal for  XXXX  dollars and then tried to charge me  XXXX . I was guaranteed it would be  XXXX  on the phone many times and then would get a call asking for approval for  XXXX . That is when they canceled my request for PMI removal and said I had to file a new claim.     When I call they say they can not do anything and say they will file a complaint for you. Then no one calls you back and you have to call again and start the whole process over.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
We obtained a mortgage to purchase a new home from   XXXX   XXXX   XXXX   ( a mortgage broker ),   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX     to purchase our home at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX . The mortgage was sold to Amerihome Mortgage   XXXX   XXXX  ,  XXXX , NJ  XXXX . At the time of the mortgage sale to Amerihome we believed we had an escrow waiver from   XXXX   for the hazard insurance and real estate taxes. As it turns out, we only had the hazard insurance escrow waiver. On   XX/XX/XXXX ,  I paid the   XXXX   XXXX   XXXX     XX/XX/XXXX  R eal Estate Tax by electronic transfer in the amount of {$3600.00}. I later learned the Amerihome also paid the real estate tax in the same amount. I tried to ask Amerihome to request the refund from the   XXXX   XXXX   XXXX   for the overpayment so we did not have an escrow shortfall. On  XX/XX/XXXX , a supervisor at Ame rihome names  XXXX , promised verbally that they had initiated the refund and that the escrow shortfall would be correct then. As of today 's date that has not happened despite numerous calls to Amerihome and emailing them using their secure message system. My account number is   XXXX  . I can not initiate the refund reques t from the City bec ause I do n't want it to appear as a tax delinquency but Amerihome promised they would. I am totally current on my mortgage and also paid down the principa l in  XX/XX/XXXX   by {$370000.00} as the proceeds from my prior home 's sale.

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 2017-05-05 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
This is about a former creditor  WELLS FARGO HOME MORTGAGE . Address :  XXXX   XXXX   XXXX   XXXX   XXXX , IA  XXXX .  XXXX   XXXX   XXXX   XXXX . The problem here is that it was paid back on  XXXX  in the selling of the property I owned, which I have supportive documents of that sale and the date of the sale and the payment to  Wells Fargo Home Mortgage. But, I was still given a negative report from   XXXX   to  XX/XX/XXXX  for making late payments. It was said I  made a  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . I tried contacting  Wells Fargo  and they saw the mistake but refused to correct it. On   XXXX   I disputed it to   XXXX  ,  XXXX  and  XXXX  but it still was not resolved. I contacted them once more on   XXXX   and still nothing has been changed.

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was  Southwest Credit Systems  for a debt they say I incurred back in   XXXX   with  XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL  XXXX .  XXXX ,   XXXX   and  XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit  score.  But then ruined my  credit score  anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Since  XX/XX/XXXX  I 've been contacting  American Express S erve card regarding a dispute for {$400.00} against  XXXX   XXXX . First  XXXX  made credit arrangements with me and gave me the opportunity to a faster internet speed, that would not cause any interruption to my services and would be updated easily, only to come home one day to have no services and was advised by  XXXX  that this was totally their fault, but I would need an ONT box in order to get my services back on, this was a ploy by  XXXX  to get me to take on more services, at a higher price even though I request several times for them to cancel the order and was persistantly told that there was no way for them to do that, that the only recourse I had was to accept the ONT box, long story short it took 12 days to get this resolved. I made the {$400.00} payment on Friday and on Monday, my service had once again been interrupted and  XXXX  wanting more money. I even spoke to a supervisor from  XXXX  who said and I quote " what you want your services back on, your not getting them unless we get paid '', she was heartless she did n't care about the previous issues that  XXXX  took responsibility for, she told me if I cancel the service I had to pay the termination fee, which is now over {$1300.00}. I contacte d Amex Serve to disp ute immediately, who advised they would e-mail me a form and I could upload to their portal, which I did, when checking up on the dispute was advised nothing was recieved, they asked me to fax, which I did, once again advised nothing was recieved. Disputed again in  XX/XX/XXXX , they closed my case without a response, in  XX/XX/XXXX  I wrote them a letter and today I recieved a response that the claim is too old and they are unable to resolve.  American Express Serve pr omises their clients that this cards works with the same values as their regular card, which I believe means these charges should have been reversed, but never were. I want my {$400.00} credited to my account, I want sanctions brought against both American  Express and  XXXX  for " acting in bad faith '' and I want the termination fee that   XXXX   XXXX   is charging me to be reversed as well as any additional fees they charged me in relation to their own negligence in a bid to get more money out of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TENET HEALTHCARE CORPORATION
State: WA

Complaint narrative:
I saw a doctor on   XXXX   XXXX   XXXX   Chapter  XXXX  Bankruptcy was filed   XXXX   XXXX   XXXX     and discharged   XXXX   XXXX   XXXX   The medical debt from  XXXX   XXXX ,   XXXX   was sold to a debt collector who made no efforts to contact me, but reported the debt as delinquent on my  XXXX  credit report as of   XXXX   XXXX    . I and my attorney have contacted this debt collector on multiple occasions since that time asking them to verify they have a legal right to collect this debt, to which we have received no response. I have also disputed this debt with  XXXX  on  XXXX  separate occasions, both times receiving the response that it has been verified.     In summary, this debt was  discharged  in my bankruptcy as of   XXXX   XXXX   XXXX     yet the collection agency continues to report it as delinquent on my credit report and has ignored all requests for verification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation