vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
During this Pandemic, I received help doing deferred payments since XX/XX/XXXX, I was told my payments were being placed at the end of my loan I notice my balance was increased by the deferred payments notified the mortgage company I was ready to resume payments in XXXX. They told me I was being placed on a trial period for the months of XXXX, XXXX, and XXXX. I completed the payments and continue to make my payments. After that, they completed a Modification in which there was a clause saying i had a Ballon mortgage for XXXX at the end of my loan. I refused to sign that modification because they could not and have not told me what it was. Nothing as far as my Term or rate of 2 % was not supposed to change, I received that rate during a program that XXXX XXXX ordered from the mortgage companies to do so people can remain in their homes I was not behind that was around XXXX. I got a call from PHH mortgage saying I had a ballon then so I asked for a copy of the documents indicating that information I still have not received any information on both Ballon information for my mortgage. When I went thru the program I know I did not have a ballon that was the reason why he ordered them to not do that when they modified my term and rate and payments nothing else was supposed to change not once on my monthly statements it indicated I had a Ballon payment every time they called to follow up nothing was clearly explained to me I know I did not have a Ballon before I received help due to the pandemic. I also submitted my application for The Mortage help they did not process my paperwork to forward to the agency which was gon na help with my deferred payments. About two weeks ago I spoke to a representative and she said she was sending me information showing I already had a ballon i still have not received that information by email or mail they can't explain exactly why I'm in a ballon, With the mortgage, i have after all payments of 30 years my home would be paid in full I have completed 15 years of my mortgage never missed payments until the pandemic hit, I need documents explaining these Balloon payments they are putting me in a position to lose my home further down the road with these ballons i would have never signed a mortgage that said Ballon I'm a retired banker and know and understand what could happen with a Ballon I would like the documents proving i was in a Ballon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My mortgage loan company ( PennyMac Loan Services , LLC ) has an escrow account and it is used to pay the county property taxes. Taxes are due XX/XX/XXXX and XX/XX/XXXX each year. I paid off the mortgage balance on XX/XX/XXXX, so I should only be responsible for directly paying the property tax starting on XX/XX/XXXX ( i.e. PennyMac should have paid the XX/XX/XXXX tax payment ). 

When I went to pay the XX/XX/XXXX taxes, I found out that the PennyMac failed to pay county property taxes that were due on XX/XX/XXXX. Consequently, I now have to pay a {$310.00} late payment penalty to the county. 

I contacted PennyMac ( XXXX, employee number XXXX ) and they are refusing to take responsibility for the late payment penalty. They claim that they pay taxes out of Escrow just before the " Delinquency Date '' ( i.e., the date when late payment penalties apply ), not the formal " Due Date '', and since I paid off the loan before they made the tax payment, that is simply unfortunate. That logic does not add up. The Due Date is the official date that the county requires payment - while the Delinquency Date just indicates when the payment is so late that the county feels the need to penalize the taxpayer ( e.g. as incentive to pay sooner ). 

In conclusion, I believe PennyMac should be required to pay the {$310.00} late payment penalty from the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I told them about the unfamiliar inquiries I noticed and nothing was resolved, no communication no results. Their time has passed for investigation, resolution is owed now.

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 2022-01-31 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: NY

Complaint narrative:
I told them about the unfamiliar inquiries I noticed and nothing was resolved, no communication no results. Their time has passed for investigation, resolution is owed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in XXXX days. 
This is not acceptable. Under the Fair Credit Reporting Act, the CRA has a certain amount of timegenerally XXXX days but up to XXXX days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, XXXX days, is not acceptable according to the XXXX Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, XXXX days, is the maximum allowable time frame, from the date which dispute was received.

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 2022-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Trying desperately to get important tax information from BMO and they can not pick up the phone

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 2022-01-31 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: NC

Complaint narrative:
I HAVE CONTACTED THE CREDIT REPORTING AGENCIES AND XXXX XXXX  BANK THAT THE ACCOUNTS THEY HAVE IN FILES ARE NOT MINES, I HAVE SENT ID INFO SEVERAL TIMES TELLING THEM THAT THESE XXXX ACCOUNTS I DID NOT USE THEM, XXXX XXXX ACCOUNTSXXXX AND ACCOUNT XXXXI KNOW THAT THEIR PRIME OBJECTIVE IE TO KEEP PEOPLES CREDIT SCORES LOW TOSO THEY CAN CHARGE HIGH INTEREST RATES BUT THIS IS NOT GOOD.

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 2022-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have been reaching out to Exeter Finance for a few weeks, i called 5 times last week XXXX XXXX XXXX regarding information on my loan with them. They have been giving me the run around, and keep failing to send the requested information. After all the phone calls they sent a link that isnt accessible. I have tried multiple times to logon, but has not been successful. Even requested it to be resent. They stated that it takes 24-48 for me to receive a email. I have not received any of the emails/ information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I am submitting this complaint because I am being extremely affected by FORD MOTOR CREDIT COMPANY LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

This is what happened : The charge-off was a lease turn in, the dealer where I turned in the vehicle told me there were no charges due. 

Ford claims they sent me a statement for mileage overage, which I never got, then he got letter from a law firm asking for {$2700.00}, which I paid immediately. I was never mailed the lease end papers and telling me about mileage overage. I am requesting deletion the charge off from my account. 

Account information : FMC-OMAHA SERVICE CT Opened date : XXXX. XXXX, XXXX. 
Balance : {$0.00} Type : Auto Lease Remarks : Paid charge off Also, I have XXXX other accounts with Ford Motor Credit Company LLC. I am requesting that the company deletes all late payments from my accounts : FMC-OMAHA SERVICE CT. 
Opened : XXXX. XXXX, XXXX. 
Balance : {$0.00}. 
Paid and Closed FMC-OMAHA SERVICE CT XXXX 
Opened XXXX XXXX, XXXX Balance : {$0.00}. 
Remarks : Closed. 

I have worked with the company for over XXXX  years and I think we can continue to have good relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio
State: CA

Complaint narrative:
The original balance was {$2100.00} and I paid $ XXXX  monthly for over a year. The account was opened pre-pandemic in XXXX and in XX/XX/XXXX because of the pandemic my salary was reduced by 10 % and I couldnt keep up with the payments. I tried to make arrangements for a lower amount and it was not accepted. I was willing to make smaller payments during the pandemic until my salary was restored. The original creditor ( XXXX ) sent the account to collection without my knowledge. I recently noticed an entry in my credit report for a collection in the amount of {$2900.00} which is more than what I owe. I did receive a threatening message from the collection agency about a week ago stating they have all my information and will show up at my place of employment or at my house and even called my Mothers house giving her details. Most people during the pandemic suffered losses and my intentions was never to NOT pay whats due and this is why I had already made over XXXX consecutive payments on the account. I think the collection agency is taking advantage of the pandemic knowing most people suffered some type of loss. They want to hurt people by adding a collection in their credit report which is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31 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:
It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as TransUnion, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things

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 2022-01-31 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: IL

Complaint narrative:
It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, Equifax, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and Experian without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things

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 2022-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XX/XX/XXXX where my car note was XXXX through American Credit Acceptance. In XXXX of XXXX I asked them to pick up the vehicle because I was given a bigger vehicle due to my family size changing so I didn't need another car. They didn't pick up the vehicle until XX/XX/XXXX yet continued to add late fees which is understandable. They then sent me a letter on XX/XX/XXXX telling me that they would sell the vehicle and the money they would get would go towards my balance. They sold the car XX/XX/XXXX. According to them I had an unpaid balance of XXXX and unpaid late fees of XXXX which added up ro XXXX. They sold the car for XXXX which makes my balance XXXX. They charged me XXXX to come get the vehicle, XXXX to prepare the vehicle to be sold, and it allegedly costs them XXXX to sell it. Which totals up to XXXX which then makes my balance XXXX. On XX/XX/XXXX I received a bill for past due amount of XXXX thats due XX/XX/XXXX. They continue to add late fees for a car that they already sold yet they are constantly adding fees. On top of this it's a XXXX balance for this car on my credit with XXXX and experian for the balance of the car which is supposed to be XXXX. They do not have the right to continue to add late fees to a vehicle they already sold. When I call them to dispute they hang up or tell me I need to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Account number - XXXX Account status - Closed Date opened- XXXX XXXX, 2015 Account type - Auto Lease

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: CO

Complaint narrative:
On XX/XX/XXXX I entered under contract with XXXX. XXXX XXXX XXXX to purchase a new home. They offered a promotion at the time in which new buyers were to receive {$5000.00} towards their home, and additional money towards closing cost if they were to utilize XXXX. XXXX mortgage ( DHI Mortgage ). 

I agreed to the latter and discussed acquiring an FHA back loan, which necessitated for me to provide 3.5 % of the closing cost for the home ( roughly $ 13K ). I was pre-approved for financing, and provided the necessary documentation to complete the mortgage, and received a locked in mortgage rate of 2.75 % and signed the documentation to lock this rate in up into and through close, so I thought. 

Roughly one week prior to my closing date of XX/XX/XXXX, I received a call from the lender that I was unable to be underwritten, due to a gap in employment. I had provided information pertaining to the gap, as well as numerous other documents pertaining to my current employment, child, business bank account etc. Subsequently, the lender stated that he/they would be able to get me into a conventional loan, which would require that I put an additional {$7000.00}, for a grand total of $ 21K and I had less than seven ( 7 ) days to come up with this money, or my house would be sold to someone else. On top of this, I learned that my rate would change and when I inquired as to why, I was told because " I went from an FHA back mortgage to a conventional. '' In between this time, I was sent a very vague document in regards to a " interest rate promotion '' that the builder was offering, and the letter was back dated to the date of the original signing of my home. I inquired as to what it was, and was told that it was to lock in " a rate. '' I closed on the home on XX/XX/XXXX and throughout signing the document I was curious as to why my rate was now XXXX XXXX. Roughly one week after moving into my new home, my lender through the DHI Title Agency, sent me a copy of my Special Warranty Deed as well as a copy of a XXXX. On the latter document, it displays the term on my loan in line 13, which reads as follows : Term : Fixed/ Interest Rate : 2.750 %, No Balloon Payment and seller concessions and has my wet signature. My loan was subsequently sold to Fannie Mae, and the loan servicer is XXXX XXXX XXXX on behalf of XXXX XXXX, but disappointingly, I'm paying a 2.99 % rate, instead of the 2.75 %.

That .24 % difference adds up over a course of 30 years, and would have undoubtedly lowered my payment. When I complained about this, it went unheard as they were more concerned about their review/rating that I had provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I signed up for a PNC account in order to receive a promotion for a {$300.00} bonus. I signed up, fulfilled the requirements of the bonus which included a direct deposit requirement. After I had opened the account, I noticed my old XXXX account had been transferred over to PNC due to the acquisition of the bank. I was concerned about this affecting my eligibility for my bonus, so I contacted PNC and they assured me that I was eligible for the bonus, which caused me to keep the account open and continue pursuing the requirements. 

PNC now refuses to honor their promise and I have been unable to contact a representative of their team for XXXX weeks. I have in writing that I met the requirements of the bonus and I am requesting that I be paid the {$300.00} that I am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation