vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
I requested that the home owner 's insurance be removed from my escrow account on XX/XX/XXXX. I was denied indicating that my loan to value is over 80 %. I called customer service asking for someone to look at this again whereas it is not possible that my loan to value is over 80 %- it was not on the initial loan or the subsequent refinance. ( I had no mortgage insurance either ). 
The refinance automated valuation was even higher than the appraisal which was completed in XX/XX/XXXX ( value of XXXX ). The new loan amount in XX/XX/XXXX was for XXXX - therefore even if they used the old appraisal value of XXXX - the loan to value would have been XXXX and the automated value at the time of XX/XX/XXXX refinance was higher. 

I have never been late on my payments- there is no reason I should have been denied for this request.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've been trying to fix my credit report from TransUnion but the representatives are being rude and condescending. They didn't want to help even when I have my credit report on hand. they are reporting incorrect data which is affecting my score. they are also not reporting certain credit card accounts. Even the manager was rude. They wasted my time and its not fair how they are treating consumers when their reporting is deliberately affecting my personal life. its not fair that they don't want to fix mistake they are making. This company customer service is horrible and they don't do anything to help correct the mistake they are creating. Its not fair that I have to get a lawyer to help me with this issue when I should be able to fix this without a lawyer when they are the ones making the mistakes that are affecting my personal life.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have a mortgage with Specialized Loan Servicing ( SLS ), Loan number XXXX Due to Covid-19 I was granted forbearance on XX/XX/XXXX, which I came out of in the Fall of XXXX. As suggested by SLS, on XX/XX/XXXX I requested a loan modification, which included all the required documentation. On XX/XX/XXXX my request was rejected and I requested a second review. However, since XX/XX/XXXX I have been making monthly principal, interest and escrow payments that have been accepted. On XX/XX/XXXX I received a notice of pending foreclosure.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My father passed away on XX/XX/XXXX, and my brother passed away a month later. We weren't aware that my father was in trouble with the mortgage company until we received a notice of the property going up for sale. My father was a very ill man and wasn't able to communicate very well due to his illness. We contacted the attorney for the bank on XX/XX/XXXX and were advised that they were unable to stop the sale on XX/XX/XXXX of the property as my father was served prior to his death. We also contact the bank and they refused to speak with us as we are not authorized on the account. I tried explaining that my father had passed and would like the opportunity to come to some resolution and they refused to speak with me or my other brother. As I had stated my father was very ill and he did not let anyone know that he was having trouble with the mortgage or that he was aware of the situation occurring. We are asking for more time in the property so we can resolve this issue by either a repayment plan or a short sale. I and my other brother are currently living on the property and I do not want the last thing my father had to be lost to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: CA

Complaint narrative:
I was enrolled in a XXXX XXXX program with XXXX University now known as XXXX University in XXXX OH. I was enrolled in a class XX/XX/2020 and subsequently dropped it within a timely manner. School officials confirmed tht my class was successful dropped and there was no mention of getting charged anything. It was several months later that I got notification from credit bureau that I had an account that was in collections. I contacted XXXX University and they werent able to resolve my issue. I was not mailed any communication regarding the collection how to appeal. XXXX University fraudulently lures students into enrolling in their programs yet they fail to communicate with the students regarding their financial aid status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My XXXX XXXX is currently going through a merge. Customers were not able to make payments for weeks online but could in store. I made two payments in store with cash on XX/XX/22 for {$250.00} and XX/XX/22 for {$310.00}. Neither of those payments have been posted to my account but my payments I did online have. Every time I call customer service they either dont put me on hold and the call hangs up or no one picks up the phone and I sit on hold forever. Today I got through and they said they didnt see the payments. I told them I had receipts for these payments and when I asked to speak to a supervisor because the employee ( XXXX I believe was his name ) was not understanding me the supervisor XXXX XXXX I believe was her name or something similar ) just told me to wait a few days. I was also charged a finance fee even though card holders were told finance fees wouldnt be charged during this time because payments werent posting. They have been doing nothing to help accommodate these issues for their customers. I work at a XXXX XXXXXXXX as well and have heard customers upset about their payments as well and customer service is not doing anything to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 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: GA

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian dispute XXXX XXXX XXXX filed XX/XX/2022, removed hard inquiry dated XX/XX/2022, showed emailed from XXXX XXXX XXXX XXXX that hard inquiry is to be removed with XXXX contact information to verify, and to remove hard inquiry XX/XX/2022, XXXX told told experian XX/XX/2022 to remove and experian has not removed, XXXX mortgage services told experian XX/XX/XXXX to remove XX/XX/XXXX hard inquiry and experian has not, XXXX companies told them to remove and experian has not, experian had contact information to verify to remove and has not, other XXXX credit companies have removed this inquiry and experian has not, this in itself should be reason to remove, but XXXX other companies told them to remove and myself gave then contact information and email from XXXX XXXX XXXX to remove and experian did not, look up case number experian has proof from me as well, uploaded to them a lot of companies are telling them to remove with documentation, please remove XX/XX/2022 hard inquiry,

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my mortgage company took it out {$1900.00} in my automatic payment which should have been {$1300.00}. When I called they realize that they had paid my taxes twice and also on my account projections for the next year it shows like they were going to pay my taxes twice again which is why my payment was so inflated. They received the money back that they paid on my taxes twice but they still have not fixed my account projections showing that they will pay my taxes twice again next year. Therefore my escrow payment for the next year is at {$740.00} a month instead of being at {$510.00} a month. As well as a shortage payment of {$110.00} which would not be there if they didnt project paying my home taxes twice. I have called at least 8x and talked to multiple people each time.Although they fixed part of it by getting the payment back from the taxes, they have not fixed my amount due to escrow because it still shows I will be paying {$5500.00} in taxes next year which is DOUBLE!! And they are telling me I have to still make the {$1900.00} payment for XXXX until they figure it out. My payment should be {$1300.00} a month. They already took an extra {$650.00} erroneously from me in XXXX by automatically taking {$1900.00} from my bank on a payment that should be {$1300.00}. Therefore my XXXX payment should only be {$680.00} to get caught up. Then going forward {$1300.00}. But all they do is keep transferring me to someone else until Im told it will be fixed in 5-7 business days. Ive been told that 4 times since XX/XX/XXXX. I have made automatic payments since loan originated so I have NEVER been late on a payment. But Im not paying anything until I know where my money is going and that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax, XXXX and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
My Wells Fargo Auto loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.

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 2022-07-14 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a personal loan of XXXX with OneMain Financial in XXXX of XXXX. I have paid on time every month since up until XX/XX/XXXX. However, the balance has not changed much since the beginning of the loan. I do not feel as if the payments are being applied correctly. I have spoke to several employees at the XXXX OneMain office who is not able to help me understand why the balance is not decreasing. One stated that the interest is gained daily whether you have paid or not. I do not remember reading this in the contract or being told of this. Please help me in this situation. I have attached my first billing statement and my current billing statement for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
On XX/XX/22 I deposited {$500.00} of cash into a Chase ATM for my Chase total checking account and received an error message on the screen saying the funds could not properly be deposited. My money was not returned and I received a receipt instructing me to call a number ( XXXX ) to make sure the deposit went through with no further information. Upon calling, customer service said they did not see the funds but processed a claim on my behalf and I received the missing deposit on XX/XX/22. Without any notification, the claim was reversed exactly a month later on XX/XX/22, and upon calling I was told that the cash was not found in the ATM and there was nothing Chase could or would do to remedy the situation. This resulted in my account being over-drafted and multiple conversations with Chase employees telling me that there is no way for my money to be returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I bought out my lease for {$12000.00} on XX/XX/22. At one point, i had the wrong address so i had to fix that with them. However that was over a month ago. I still have not received my title. 

I bought out the car to sell it. However, i still have not received the title. This has caused me to be out {$12000.00} since XXXX, it is now XX/XX/XXXX. On top of that, ive had to keep driving the car and putting miles on it, depreciating the value of the car. 

I have had 7 calls with hyundai just trying to get answers. All im being told is the title department is backed up. Nothing concrete. 

One of those calls, i was told by the supervisor that multiple customer service agents did not send the work order through. I can not get in touch with the title department currently, nor get an answer about when/if it is coming. 

I was also told by hyundai that someone from their " care '' team would reach out to me in 2-4 business days to discuss the issue. That has not happened. 

I am becoming concerned as i told them, its getting to the point where id rather return the car and get my money back, however i was given no available recourse to do so. 

I genuinely need help with this, as {$12000.00} dollars is a lot of money for me and i have nothing to show for it. 

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 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraud calls and text that hacked and transfered {$13000.00} out of my citibank 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 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
regarding account # XXXX claiming I owe {$3400.00}. 
This is not my debt, it has been years and many attempt for me letting Wells Fargo know and to remove 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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, a scammer cheated us out of {$300.00}. Since this was XXXX XXXX, I called immediately the next business morning to put a stop to the charge. 5/3 Bank said they could not stop the charge, it had to clear, then they would try to get it back from XXXX. The scammer made it look like I was working with XXXX to get my money, but instead were able to get {$300.00} from us. On XX/XX/XXXX, XXXX gave us back the {$300.00} provisionally. Today, XX/XX/XXXX, the {$300.00} was removed from our account. They stated that they could not retrieve the money from XXXX, so they took it back from us and basically said, Oh well. We have asked to appeal this and they said they would reopen the case. This process could take another 30 days. They are not working with us or protecting us as they should as our financial institution. We have been with them for over 5 years and never had an issue like this. We sent them all the screenshots of the scam, as well as the case and report numbers we have from our local police department ( XXXX XXXX Police Department ) with a detective on the case, and the Federal Trade Commission.

Company response to consumer: Closed with explanation