vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
I have a mortgage loan which is serviced by Roundpoint Mortgage. We are required to escrow funds for taxes and insurance. Roundpoint paid the insurance bill twice in error. They are now trying to increase my monthly payment to cover the escrow shortage caused by their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Today XX/XX/2021 - Westlake Financial called my friends phone and told him how much money I owe. They also advised specifically the types fees I owed and why. This is against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Service Finance Holdings, LLC
State: OR

Complaint narrative:
In XX/XX/XXXX I took out a home improvement installment loan with Service Finance Company to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XX/XX/XXXX XXXX XXXX failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with Service Fin. and they charged off the remaining amount of {$6500.00} in XX/XX/XXXX. In XX/XX/XXXX I applied for a home loan to purchase a new house. I was denied and told I had bad repayment and credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. I called and found that Service Finance reported the home improvement installment loan as a Real Estate/Mortgage loan. It will prevent me from qualifying for a home loan for 4-6 years!

I asked Service Finance to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' However because they categorized it as a real estate loan, XXXX and such must keep it in the mortgage section. Service Finance told me it is impossible to change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal has refused to close a business account I opened for a business I did not end up starting in 2014. They are requesting bank documents from the business that are no longer available and making it unnecessarily difficult to close the account at my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NH

Complaint narrative:
AmeriSave Mortgage Corporation, NMLS ID # XXXX During a refinance application, this company inserted an origination fee in the final closing disclosure of the process, shortly before closing date without any clarification or notice of this fee being added. I sought for an explanation for 2 different representatives no less than 3 times, and received no response. Despite this, the company continued to push me for more documentation to complete the closing process. I cancelled the application with the company as I refuse to do business with an intentionally deceptive company. 

It is clear to me that their intention was to slide in a fee that I had previously said I did not want at the last minute in the hopes that I wouldn't notice or complain.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to you in regards to my account with Capital one Account # XXXX Due to XXXX I had fallen on hard times and was unable to make those payments. As soon as I was able I got this account paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I accepted a forbearance plan on mortgage during COVID. In XXXX, I agreed to a loan modification for the five payments that were missed. Despite being in forbearance longer, I made payments including two in XX/XX/2021 as part of the loan modification agreement. Citizens were slow to process the modification and incorrectly reported the mortgage delinquent despite have the agreement in place and months of payments held in " suspense ''. They admitted that this was done in error but refused to give me written documentation stating that I was not delinquent and said they would try to fix it in a few weeks. My current loan statement remains incorrect despite many calls to try and rectify. The government 's COVID assistance was a lifeline for many of us but Citizens Bank has turned that into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX, we went to XXXX Hynundai to see the XXXX XXXX XXXX. We had been leasing a XXXX model from them and it was up in XXXX of XXXX. We were talked into taking advantage of the year end lease incentives by turning the XXXX model in early and getting into the new lease. The dealership said they would make the 2 remaining payments, which is common practice. So we took advantage and leased the new vehicle .In XX/XX/XXXX, we received a letter and bill stating that we owed lease payments on the XXXX model for a total of XXXX. I immediately contacted the dealership, spoke to the Finance Dept who told us they would take care of it. I received no further communication from Hyundai so I assumed it was handled In XX/XX/XXXX, I received a credit report update that showed our credit score had been reduced by XXXX points specifically because of the " non payment of the lease payments '' I contacted Hyundai Finance corporate and spoke to a " XXXX XXXX '' at XXXX XXXX in NJ. 
He looked into it and told me he couldn't understand why this was happening since he showed that they had received the 2 payments from XXXX Hyundai. He needed to consult with upper mgmt and asked me to call him next week. When I tried to reach him,, I was unable to and the Hyundai finance person I did reach refused to talk to me saying it was in the hands of the collection agency so call them. 
I did and even though I sent them documentation from the the dealership showing there was nothing else owed, they claim we still owe {$370.00}. XXXX XXXX said he showed 2 payments from the dealership ( one for {$400.00} and one for {$370.00} ), so why do we still owe? 
He said the first one was received on XX/XX/XXXX and the copy of the check Hyundai gave me is dated XX/XX/XXXX. So where does another payment come from? 
XXXX XXXX sent all the documentation to Hyundai Motor Finance but they still claim we owe the {$370.00}. XXXX thinks it is possible that Hyundai, misapplied the one payment to the new lease, and we would still have to pay the {$370.00} but it would probably come off the end of the new lease. Not Acceptable. We don't have a lot of money and like many people now are struggling during this pandemic. 
Appreciate any assistance you can give with this..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
i have taken a mortgage from HSBC Bank USA to finance aquisition of Apartment in XXXX, i had to come to XXXX and want to sublease the apartment, according to mortgage agreement i need to seek HSBC banks approval to sublet and as per agreement such permission will not be unduly with held, despite my repeated written requests and several phone calls from XXXX to seek this approval HSBC has not granted this approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2021, I went to a XXXX XXXX to buy something only to have my card declined several times. I left the store and called Citibank to see what the problem was only to discover my account had been placed on hold with no notification to me. I went on to be on this phone call for around an hour transferred from department to department before the line mysteriously dropped. I continued to call around 6-7 more times this same night with no hope and multiple supervisors transferring me to the fraud department even after it had closed. I gave up for the night and decided to try again on XX/XX/2021 when the fraud department reopened. I tried calling again the next day with no hope and about 10 more failed phone calls. It is now XX/XX/2021 and my money is still on hold at Citibank. I call every single day with the same response that my account is under review. I have a 1 month old child who I have had to borrow money to feed. My water and phone is off and my wifi had about 3 more days. I have been hysterically crying and nobody at Citibank cares. I just want my money back and as soon as they are released I will be closing my account with Citibank. Never bank with these people. This is the worst experience I have ever had. I would call the police if I could.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: AL

Complaint narrative:
My property taxes are being held in escrow by my loan processor, Gregory Funding. They were due on XX/XX/2020. I was sent a late notice at the first of XXXX with a late fee. I contacted Gregory Funding on XX/XX/XXXX via phone. They confirmed that they have not been paid but said they needed copies of my tax information. On XX/XX/XXXX, I submitted an Error Resolution Notice via mail, email, and fax. I included copies of both bills which contained all information needed. As of this date, XXXX, they have not contacted me. My taxes have not been paid. This company is impossible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
XX/XX/2021 I was notified of a collection account via a credit monitoring service. The collection is for a debt which does not belong to me and has been successfully disputed previously. However, the original creditor continues to hire different collection companies to erroneously collect this debt. Most recently the collection was attempted by XXXX XXXX XXXX. Please see Consumer Financial Protection Bureau file number XXXX. In the file, XXXX XXXX XXXX made false statements, and ultimately ceased collection efforts. 

Law Office MBA, of XXXX, TX is now attempting to collect this debt. Their client, XXXX Hospital, knows or should have know the debt is not mine. I am basing this on the repeated communications I have had with their collection companies and information I have provided. 

If CFPB is unable to resolve the matter I would appreciate information and resources on filing a lawsuit against the various parties involved. They have willfully disregarded prior communications and evidence provided to them that the debt is not mine. 

Attached are the original police report from the XXXX County Sheriff 's Office and letters noting the account has been returned to the original creditor. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
In XXXX, due to a medical emergency that was not covered by insurance, I had to use my money to pay for the procedure and missed two mortgage payments. In XXXX, for two months, I made my regular mortgage payment and an additional payment which should have brought the account current. I have not missed another payment since that time. The mortgage lender has not properly credited my account. The lender at the time was XXXX XXXX. The sold the loan to Midland Mortgage. They continue to send me letters stating I am three months behind ( they count the current month ) and inform me that I am on the brink of foreclosure. I have been in my home since XXXX. I have sent them information to show them where those additional payments were made, but have been unsuccessful in my attempts to get them to properly credit my account. They want me to do a loan modification, but i have no desire to start my loan over again and I should not have to do that. If they did not credit those funds to my account, where did the money go? I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove fraudulent inquires from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received this card in the mail. We did not and have never applied for this card. The card is a Reliacard from US Bank. I called the customer service number on the card but they will not answer the phone without giving them additional 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 non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you 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 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Sent the company a letter displaying violations that were committed of their behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove fraudulent credit inquires from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
Hello, I have recently inherited a property due to the recent passing of my father, XXXX XXXX. Loan # XXXX. We notified the servicer of the death in late XXXX and immediately upon receipt of the assumption package we emailed the requested loan assumption documents and death certificate on XX/XX/XXXX to assumptions @ loanadministration. We received and auto reply notification that the documents were received. We then received an email from XXXX in Assumptions that requested we send all the documents again even if we have already sent them. We immediate emailed them again. Then we received a notice in the mail early XXXX, dated XX/XX/XXXX stating that we are unable to assume the loan as investor guidelines do not permit it. This is a 30 year conventional mortgage - I am unsure who the investor is. We have been reaching our to loan depot since receipt of the letter at the number provided XXXX and are getting no where. We finally reached one gal in customer care, XXXX XXXX, who advised that the executor of the XXXX needed to send in requested documents. XXXX XXXX, my brother, and executor of the XXXX tried to fax the document to the number provided, XXXX multiple times. XXXX then advised him to email these documents to XXXX which were sent on XX/XX/XXXX. We have called numerous times and spend countless hours on hold, being transferred from person to person - with no answers ; no one seems to know anything about dealing with a decedent account or an assumption for that matter. The lack of compassion and care for the customer that is experiencing a loss of this magnitude is astounding and quit frankly unacceptable. It is my understanding the servicer is to work with the costumer in these situations ... instead it is turning into a nightmare. We have paid the mortgage for the last three months, lived in the property for years and just want to understand the next steps. Can we assume it, can we refinance it into our names, is it considered a purchase? Rates are at an all time low and we would like to get this resolved with as minimal emotional impact as possible. We are not getting any answers and keep trying. I am writing now this complaint as I am at my wits end extremely frustrated as I am sitting on hold for the third hour today. No customer should have to go through this to get some answers. 

Thank you for your assistance and prompt attention to this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MO

Complaint narrative:
Guaranteed Rate is in violation of RESPA for payment of escrow to XXXX XXXX  in the amount of {$4000.00}. The closure for re-financing occurred XX/XX/XXXX ( see attachment of Closing Disclosure ), and still the escrow has not be transferred to XXXX XXXX. For this reason, my mortgage payments have gone up {$310.00} per month ( see attachment of XXXX notification of increased mortgage payment ). 

I contacted Guaranteed Rate on multiple occasions with no written response acknowledging the above. The first written communication I sent them is dated XX/XX/XXXX. To date, the Guaranteed Rate officers that have not bothered to confirm in writing the issues detailed above are : 1 ) XXXX XXXX XXXX XXXX Supervisor XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Team Lead/Loan Servicing Coordinator XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, XXXX, IL XXXX I did contact XXXX  about this issue, and opened a complaint, complaint number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XX/XX/2020, I started a refinance with Citi Mortgage Co. They charged my credit card for {$690.00} for an appraisal. The mortgage processor I was never able to reach at anytime. They asked for documents and I submitted everything they requested. An underwriter called about getting additional information. In XX/XX/2020 still no word on a closing date. I asked that they refund my credit card because they were not going to close on this refinance. They will not refund my account for services that they fail to provide. For that reason i need Citi Mortgage to refund my full amount.

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