vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I applied for a mortgage loan XX/XX/2020 through Cornerstone Home Lending. At that time, a Loan Estimate was provided to me with a total amount of Title fees and services as {$1500.00}. A Settlement Service Providers List was provided at that time which listed one service provider, Independence Title, as the vendor the Lender would use should I choose not to select my own provider. I did not choose my own service provider for title services. 

Upon receiving my initial Closing Disclosure on XX/XX/2020, I noticed on page 2 of the disclosure that Title fees had increased to {$1800.00} and that the fees were incorrectly placed in Block C, the section designated for fees the consumer has chosen their own service provider for. I immediately notified the representative I was working with at Cornerstone of this and requested clarification. There had been no change in circumstance communicated to me from the time of my initial application to the time I received my initial Closing Disclosure that would warrant an increase in title fees. 

The Lender notified me that, because the name of the vendor listed on the Closing Disclosure was different than the vendor listed on the Settlement Service Providers List, they were, " not out of compliance '' ( see attached email from XXXX XXXX from XX/XX/2020 and from XXXX XXXX on the same date ). 

Although the lender elected to make me financially whole by issuing a general Lender Credit to cover the amount of the difference the fees had increased beyond the 10 % limit, I want to stress the importance of my primary concern. Please note the correspondence from the lender that I've provided acknowledges they were aware I did not choose my own service provider for title services. These fees were still listed in Block C of the Final Closing Disclosure, although the Lender acknowledged prior to closing that they were aware I did not choose my own service provider for title services.

It appears, based on the responses provided from the Lender in the previous email correspondence referenced, that Cornerstone Home Lending has built a process to circumvent TRID fee tolerance testing by listing one vendor on the Settlement Service Providers List in the initial disclosure package to a consumer and then choosing another provider on the consumer 's behalf and placing those fees in the section of the Closing Disclosure that is specifically for fees the consumer has chosen their own vendor for since those fees would not be subject to tolerance testing. This is both deceptive and not in the spirit of the intent of the regulation to protect the consumer from frivolous fee increases. This is appears to be systemic issue that must be resolved with an update to Cornerstone Home Lending 's general lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: NY

Complaint narrative:
on XX/XX/2020 I ordered new set of chairs from XXXX XXXX store. Upon delivery I discovered that chairs were not new and they were damaged. I have called the XXXX XXXX the same day and they told me I can return it to them and they provided me with the XXXX return labels. the product was sent back to them the next day, I have delivery confirmation, but they never credited my account back. i tried to contact them few times, but never got anything besides being transferred all the times and then get disconnected.

so i opened a dispute with my credit card company Capital One and explaine them the situation and provided with the proof of return of the merchandise but they never used these documentation when they contacted the XXXX XXXX and closed the case after XXXX XXXX stated that transaction was valid and they never received the product back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28 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: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I entered into a loan modification agreement with The Money Source in XXXX t

o get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The Money Source Loss Mitigation Department and not through the same channel as my regular payments were made. Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and XXXX  and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the LEXIS NEXIS are any other credit reporting agency. i would like to know your method of verification on how you verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: TX

Complaint narrative:
SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT 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 2020-10-28 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: CA

Complaint narrative:
I have been a victim of identity theft.

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 2020-10-28 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: CA

Complaint narrative:
I have been a victim of identity theft.

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 2020-10-28 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: CA

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I received an atm card and pin setup info for an account opened in my name. I NEVER opened this account! Clearly someone has used my identity to open this account. When I called PNC I was told they couldnt help me unless I gave them my SS #. I was not going to give that out to a bank who clearly had not done their due diligence in the first place! Eventually, they said they would help me and would submit it to fraud to get it shut down. When I asked that they send a written statement informing me it was indeed shut down they said they dont do that. They told me if I am still concerned I should just call and verify!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I entered into a loan modification agreement with The XXXX XXXX in XXXX to get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The XXXX XXXX XXXX XXXX Department and not through the same channel as my regular payments were made. 

Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.

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 2020-10-28 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: TX

Complaint narrative:
SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT 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 2020-10-28 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: TX

Complaint narrative:
SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: IA

Complaint narrative:
Sent tax statement to Land Home Financial Services. Company provided me with an escrow analysis. Escrow analysis was done incorrectly and taxes were added twice onto the statement. I called and finally got through to someone who understood the analysis was not correct. New analysis was sent to me a month later. Our mortgage is due on XX/XX/XXXX and they still have the incorrect amount due. Called and spoke with several supervisors and they say they cant un-do this and that I must pay the incorrect amount which is {$2300.00}. The actual payment I should owe is {$1700.00}. When I asked the supervisor why I should pay an amount that I dont owe and that was XXXX XXXX XXXX error, her response was, Im sorry, theres nothing I can do. This is absolutely unacceptable. I will not pay an amount that I do not owe because of their error. The staff are extremely incompetent and lack knowledge of their positions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
I sent sagestream a letter on XX/XX/2020. I have received no response. I believe sagestream is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between transunion, XXXX  and XXXX   and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.

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 2020-10-28 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: MS

Complaint narrative:
XXXX XXXX is reporting a bankruptcy on my credit. The courts name are reporting inaccurately and different between XXXX, XXXX  and equifax and the dates are reporting wrong as well. The original creditor is the Bankruptcy courts and they have communicated with me that they do not report this information to the XXXX XXXX are any other credit reporting agency. i would like to know your method of verification on how you verified this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My score with TransUnion has dropped XXXX points without explanation. I attempted to contact TransUnion directly by phone and the representative stated that nothing was showing up on my record that would indicate such a drop in score, could not offer an explanation, and told me to contact a credit advisor at my local bank. 
Per attachments per XXXX XXXX the only two accounts showing actually decreased in balance owed. My other score with XXXX  increased. TransUnion did not provide a satisfactory resolution to 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 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have XXXX XXXX XXXX with Bank Of AMerica. 
They just reduced my credit limit in all XXXX without any explanation. 
My XXXX XXXX is affected by that. 
The reduction was big, like to less than 10 % of my old limit. 
I tried to call they just said I need to wait the letter by mail in 10 days ... 

Im really disappointed with this Bank, show no respect to people.

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 2020-10-28 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: OK

Complaint narrative:
Victoria secret card was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but Victorias secrecy wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
I called this company XXXX and sent a letter to their address that's on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX to verify an account that their agency is reporting on my credit report but no one there seems to know anything about an account using my SSN, DOB, and Full Name.

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VT

Complaint narrative:
We have a mortgage through NewRez and they require us to escrow our taxes and insurance. They have wrong tax information, have not responded to notice of error message and documentation that we have sent, and have not paid our, now overdue, property taxes. I called on XX/XX/XXXX and explained the situation to several representatives and sent the following message to the email address that was provided to me. 

To Whom It May Concern, This letter is in regards to a property tax error. Our property taxes are due tomorrow, XX/XX/XXXX, in the amount of XXXX. However when I checked with the town treasurer she said that the taxes have not been paid yet. I called and spoke with several NewRez customer service people and they said that my account shows my taxes are not due until the XXXX of XXXX in the amount of {$2600.00}. So both the payment due date and amounts are incorrect. Please see the attached tax bill. 

Please pay this bill ASAP. The customer service rep also said that any monetary penalties, which there will be some because it will be late, will be paid by NewRez and not out of my escrow account. Please confirm that this is correct. 

I would also like written confirmation that you have received this notice of tax error and that the taxes have been paid. In addition, please correct the date and amount of tax due for the month of XX/XX/XXXX. 

Our loan number is ____________ Property Address ____________ Thank you and I'm looking forward to hearing back, _____________ As of yesterday, XX/XX/XXXX we had not heard back from NewRez, nor have our property taxes been paid. So we called again, waited for over an hour to speak to a represented, and were told they have a record of my previous call and email They said the issue was under investigation. The representative wouldn't give me his name for reference, only said the conversation was recorded if it needed to be referenced. No number or code to document the call on our end and only would give the loan service email address that I sent my previous email to. 

In addition, when I log into their webpage I only get a blank page and can not see my account information. I brought this concern up during the first phone conversation and the representative assured me that she could see my account information and that I should able to see it - but I can't! 

At this point there are no real answers or resolution and my taxes are not paid. We have always paid our mortgage on time and this is not acceptable from NewRez. We have spent hours dealing with this concern and it is something we shouldn't have to even think about - isn't that the whole point of an escrow?! NewRez is in violation of their contractual duty.

Please help us get this resolved ASAP! 

Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS incorrectly reported our information to the credit bureaus as being 31-59 days late. They successfully correctly my information, but did not correct my wife 's information. XXXX is still showing 31-59 days late on her report. XXXX  and XXXX  have been corrected.

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 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: NY

Complaint narrative:
Today, I received a Civil Court Summons from the law firm XXXX XXXX XXXX XXXX XXXX for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which XXXX XXXX XXXX posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief