vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Dear Sir or Mam ; LoanCare LLC/XXXX XXXX took over my mortgage in the fall of XXXX, they have failed to process my payments as expected. The only unique factor in my case is that I have my mortgage paid ahead by 3 months. Under my previous loan processor, XXXX XXXX, this was never an issue. I have to call or write nearly each an every month to have my payment applied correctly. 
I have written multiple letters to the company management and they have failed to correct the processing. 

02/02-Letter to XXXX XXXX - President CEO XXXX XXXX XXXXReply from Corporate Council - XXXX XXXX XXXX. -Said that LoanCare LLC handles all the Mortgage Contracts. Instructed LoanCare LLC to provide a Substantive Response. 
XX/XX/XXXX Letter to XXXX XXXX due to No Response being received within 30 days of the letter from the Corporate Council. 
XX/XX/XXXX Reply - Canned - Notice of Error Acknowledgement. 
XX/XX/XXXX Reply from XXXX XXXX That LoanCare Doesn't Receive instructions from my financial institution. 
XX/XX/XXXX Called my financial Institution<XXXX> - since this is an electronic AFT? transfer its not possible to include instructions. Note I used this same financial institution with my previous loan services with no issues. 
XX/XX/XXXX Letter to XXXX XXXX again regarding same issue. 
XX/XX/XXXX Reply from XXXX XXXX my only options is to Call in /write each month. 
XX/XX/XXXX Payment Mis applied Again XX/XX/XXXX Called customer contact number. Said they would call back. 
XX/XX/XXXX Initiated a customer correction through their online portal to have the payment applied. 
XX/XX/XXXX XXXX payment appears to be applied correctly. 
XX/XX/XXXX correction made to XXXX payment XX/XX/XXXX XXXX made changes to the loan care bill pay - the payee name is now - Loan Care, LLC -  Monthly Payment and a 2nd bill payee called LoanCare Principal Payment only. 
XX/XX/XXXX XXXX Payment misapplied. 

Loan Care has continually failed to process my payments, I will not use their automatic payment feature. 
I have worked with my bank though the bill pay to re name the Payees to indicate - Payment and Principle Payments. 
I pay my mortgage in advance because that is how I want to do it. 
Attached are the corresponsdance.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Ever since I became unemployed due to covid-19, I have notified Citibank ( 2 accounts ) of my employment status. Each month I keep them abreast of my status. On XX/XX/2020 I received a letter stating Citibank would work with me however that's not what's been happening. On XX/XX/XXXX, I spoke with XXXX regarding deferring my account payment due to covid-19. The company wants to be notified monthly for deferment. Yesterday Monday XX/XX/XXXX, I received notification from the credit monitoring company ( XXXX XXXX ) Citibank is still reporting my account delinquent even during deferment. Citibank has done this several times in the past.  Today, XX/XX/2020 I called Citibank regarding reporting my account for delinquency during deferment. I wanted to see what can do to reduce my payment of the two accounts by consolidating the accounts into one payment and see what I can contribute to help  bring down my balance. While talking to a representative name XXXX I asked to speak with a supervisor. After 10 minutes waiting on hold, she hung up on me. Every time Citibank does this it destroys my credit score. I am a single mother barely making t with XXXX children and XXXX XXXX from this situation. I need Citibank to help me during these stressful time and not make my situation worse than it already is.

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 2020-09-08 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: NC

Complaint narrative:
THE BANK OF AMERICA CARD THAT IS LISTED ON MY CREDIT REPORT IS " NOT '' MY CARD AT ALL. i AM NOT A AUTHORIZED USER ON THIS ACCOUNT AND HAVE REQUESTED IT TO BE REMOVED FROM ALL THREE CREDIT REPORTS. 
XXXX, XXXX AND XXXX. I TALKED TO THE BANK OF AMERICA AND THEY AGREED THAT I XXXX XXXX XXXX AM NOT ON THIS ACCOUNT, YET IT SHOWS UP ON MY ACCOUNT. I WANT THIS REMOVED IMMEDIATELY AS IT IS HURTING MY CREDIT SCORE. THE CREDIT ENDING IN XXXX FOR 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 non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
In XX/XX/2020, I received an Annual Escrow Account Disclosure Statement from my loan servicer, XXXX XXXX XXXX XXXX ( Loancare ), with a statement date of XX/XX/XXXX. This new Escrow Analysis shows a escrow shortage of {$1000.00}. 

Upon researching why my Escrow shortage was so high, I discovered that my county was now combining my City and County taxes. My County and City taxes combined is {$1800.00}. XXXX ( Loancare ) is assessing my County taxes as {$1800.00} with an additional {$700.00} in City taxes and therefore charging me twice for the City taxes which are included in the {$1800.00}. I have sent them a copy of my county tax bill on XX/XX/XXXX showing that both taxes are now combined and it has been confirmed by SEVERAL customer service reps that they have the copy of the tax bill and can see that they, XXXX ( Loancare ), are assessing the City taxes twice. 

Since sending XXXX ( Loancare ) a copy of my tax bill, I have placed numerous calls to XXXX Servicing ( Loancare ) requesting a new Escrow Analysis as the XXXX Analysis Escrow shortage has increased my mortgage payments to a distressing amount for me at this time. 

Although I did not document the dates of all the earlier calls I have made beginning XX/XX/XXXX I have been assured multiple times that they can see I am being charged twice for my city taxes and that they are requesting a new escrow analysis yet no changes have been made to my escrow account or mortgage payments. 

In addition to the many calls I have made, I requested a revised Escrow statement/analysis through XXXX online customer service on XX/XX/XXXX, explaining the issue in detail ( Ticket #  XXXX ). I received an email back on XX/XX/XXXX stating the issue was resolved with no explanation and no changes to my escrow account or my monthly payments. 

My most recent calls, I spoke with XXXX who assigned a case # XXXX on XX/XX/XXXX. She assured me that she has elevated and expedited my request for a new Escrow analysis with the corrected tax bill. 

I again spoke with XXXX, agent # XXXX on XX/XX/XXXX, who stated the case is still under review and should be resolved within a week and prior to my next payment going past due ( XX/XX/XXXX ). 

As of today, XX/XX/XXXX, my escrow account still list the duplication of {$700.00} for my city taxes and an escrow shortage of {$1000.00} with a higher monthly mortgage payment. In all the numerous calls I have made to XXXX ( Loancare ), I am not allowed to speak to a member of the Escrow Team and this issue is not getting resolved by the customer service team. 

I have not been working since XXXX of this year due to Covid-19 and this new, higher mortgage payment is having a huge impact on me and my family. 

Thank you for any help you can provide in resolving this matter.

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 2020-09-08 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: Lending Club Corp
State: IL

Complaint narrative:
Lending Club is reporting to Credit Agenies that I have missed payments in 2020. This has happened in XXXX and XXXX. Each time I called XXXX XXXX to informed them of the incorrect information, they correct it and resubmit correct information to credit bureaus. It happened again in XXXX. I reported to XXXX XXXX on XX/XX/XXXX and emailed them screenshots as proof it happened again. I called Lending Club to follow up on XX/XX/XXXX to followup. I was informed that the ticket was still open and to follow up on Friday. I called today XX/XX/XXXX to follow up and still nothing has been done. In the meantime, I have been denied credit because of their error. I am also concerned why this continues to happen as well as, its preventing from applying for additional credit for fear of being denied or given higher rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: MD

Complaint narrative:
In XXXX of 2020 I booked flights to XXXX through a vendor called XXXX using my CapitalOne venture card. Unfortunately in XXXX due to the travel ban on Americans going to the XXXX I begin to look into seeing whether or not I could get refunded for the flights which were due to be in early XXXX. 

After speaking with the merchant and explaining that I would not be allowed on the flight they told me that the XXXX ( XXXX ) would refund me the cost of the ticket. Albeit, when I contacted the airline they told me that XXXX would have to refund me since that is who I ultimately sent my money to. 

After going back and forth with both companies several times I opened a dispute with CapitalOne still back in XXXX. In XXXX I was contacted to provide more information to CapitalOne. Shortly after this time I received an email saying that the flight had been downright canceled anyways, so even if I had been able to go legally there was no flight for me to take. 

So I sent that confirmation to CapitalOne, after trying both merchants again, and I was told I would have a resolution in no more than 30 days. I called back 45 days later after hearing nothing and I was told that I would receive a call back in the next week. After another week went bye, I called CapitalOne on XX/XX/XXXX and I was then told that I would receive a decision by XX/XX/XXXX at the absolute latest. 

Unfortunately this morning ( XX/XX/XXXX ) I called CapitalOne again and I was told that now I will not receive a decision until XX/XX/XXXX. The bank has repeatedly lied to me about the timing of the dispute and seemingly every time I call it is very difficult to get any information out of them which has been very frustrating. 

Additionally, XXXX XXXX company policy says that I should be eligible for a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I sent a letter via certified mail to Arbor Professional Solutions ( XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX ) on XX/XX/2020 to validate a debt of {$680.00}. As of XX/XX/XXXX, I have not received a response from the debt collector. On XX/XX/XXXX, I sent letters to XXXX  and XXXX  informing them that Arbor Professional Solutions had failed to respond to my validation letter and requesting that this debt be removed from my credit reports. At the end of XXXX, I received replies from XXXX  and XXXX stating that this debt was valid despite the fact that I didn't receive validating documents as required by the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from 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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX I have been an amex serve customer for over 5 years I am writing to you because I am hoping you can help me on XXXX XXXX I reload my card with {$1900.00} at my XXXX store in my town 2 days later I go to withdraw money for gas and my card is declined I look on my serve account app and my balance is {$0.00} I look at my transactions and I had over 20 debited transactions that I did not make I immediately contact Amex serve and start disputing all the charges and I have them send me a new card I was told by the representative that it would take 10-45 days for the investigation to be done the next couple of days I spent everyday calling Amex serve I sent them all the forms that needed to be filled out everyday that I called I kept being told on the tenth day which is today XXXX XXXX I would get an email with there decision I get the email today which says they will not be crediting my account because the transactions were authorized which makes no sense I didnt make those transactions I am a XXXX in XXXX XXXX XXXX XXXX I work hard for my money I am just asking for some justice I also filed a police report I really hope you or someone can look into this and help me my phone number is XXXX and my email address is XXXX. I have all the documentation saved and I can send to you I appreciate you taking the time reading this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This loan was paid XX/XX/2019 to National Credit Adjusters, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX , KSXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Finance Company : Ally Account # : XXXX Vehicle : XXXX XXXX, XXXX I am the primary on the account, my daughter is the co-borrower and normally she deals with Ally 's foolishness. 

The final payment was made XX/XX/XXXX in the amount of {$610.00}, the following statement popped : [ Your final payment is pending. You'll soon have access to our title tracking feature, which will keep you up to date about when your title and/or lien release will be processed. We'll send you an email soon as the title tracker is available on your vehicle details page. ] I received via mail a letter dated XX/XX/XXXX Congratulations for paying off your auto financing with document attached that looked like a title but instead of being blue it's pink with the following statement : [ This is to certify that a security interest has been duly filed with the motor vehicle administration in the name of the secured party below on the vehicle described. 
Termination Statement I, the undersigned do hereby release all rights and interest in the vehicle described above ] Signed and dated XX/XX/XXXX additional a sticker with the following information : XXXX  XXXX R XXXX. XXXX XXXX XXXX  XXXX  ( cars VIN ) On XX/XX/XXXX, I contact Ally and spoke with Customer Service Agent XXXX  requesting the vehicles title. I was told that the last payment was rejected on XX/XX/XXXX and that Customer Service Agent XXXX " Reallocated '' the payment on the same day. 

I checked with my bank, the payment DID NOT come back. 

Ally has verified receipt of the final payment for {$610.00}. 

However, I received a registered letter dated XX/XX/XXXX " Notice to Repossess after XXXX XXXX. It indicates that the account is in default and need to make a payment of {$470.00} which is suppose to represent the XX/XX/XXXX and XX/XX/XXXX installment ( s ) plus unpaid charges. '' If the final payment was confirmed received. Why is the account in default? What is the additional {$470.00}? 

We have had issues with Ally throughout the length of this loan. The final payment was made and I want the Title for the vehicle. 

Documents attached.

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX # XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from 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 2020-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: MO

Complaint narrative:
This loan was paid XX/XX/2019 to XXXX XXXX XXXX, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Didn't receive enough information to validate debt First I dont have to write an explanation demonstrating any errors on my credit reports. Second your send a copy of a letter from XXXX XXXX  where says the acccount is sold to Midland Credit Managment the document that you sent me does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

I want you cease and desist all collection activity from this account. Because I dont want Midland Credit Managment report invalidated information to major credit bureaus

Company response to consumer: Closed with explanation