vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: KY

Complaint narrative:
I am trying to refinance my mortgage and the mortgage company will not provide a loan payoff statement. I have requested one 4 times. Each time it has been cancelled and nothing was provided. When I call I get placed on hold and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc.
State: WA

Complaint narrative:
Lender fi is the mortgage company I refinanced around XX/XX/2020 with P pay Lenderfi.com with mortgsage PITI+ Escrow to take care for Insurance and Property Taxes. 

Both Insurance and Property Tax are due by XX/XX/2020, Unfortunately, They did not pay both on time, I paid Insurance after getting notifications from the Insurance agency on revoking insurance, I reached out to LenderFi to remove Escrow and have myself handle the Insurance and tax, this was in XX/XX/XXXX week, They asked for all the documentation and signature and in the meantime they were collecting Escrow every month. I received a property tax non-payment notice from the county since the escrow removal process was started with I went ahead and paid the taxes and XXXX county did not force any penalty or interest from my own bank account. While I was waiting for escrow removal. 

In the XXXX week of XXXX, I recieve a letter that Escrow removal is not possible due to not having a long history and they never even ackoweldged thier mistake to refund the money I paid out of my pocket while they collect these everymonth from me. The service has been slow and non-responsive except for we are looking into it mails

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/20, I was informed i could convert an existing XXXX credit card with Citibank to a Citi Diamond Preferred credit card. I asked the representative if the promotional balance transfer rate was going to be honored and was confirmed it would be. 

On XX/XX/20, i followed up with Citibank and informed the agent that I could not see a balance transfer offer online. The representative informed that the promotional rate is only available to new applicants not converted credit cards. I informed the representative that I was informed otherwise when I converted my XXXX credit card. The representative reviewed the online chat with the previous representative and I was informed that the promotional rate was going to be honored. I was informed that the promotional rate would be posted in 5-7 business days. 

On XX/XX/20, I followed up again with Citibank to inform them that i do not see the balance transfer offer. I was informed that it was not available to converted credit cards. It was elevated to a Senior Account Specialist and was informed that promotional rate is not available.

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 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
The Servicer : PH Mortgage Corporation of XXXX  XXXX N.J. phone ( XXXX ) XXXX had the XXXX XXXX assigned to my property located at XXXX XXXX XXXX XXXX, N.J. XXXX on XX/XX/XXXX. There is no XXXX XXXX in XXXX N.J. and I need to know why an investor would be involved since my original XXXX purchase mortgage from XXXX XXXX XXXX XXXX ( HCSB ) The XXXX mortgage was current from XX/XX/XXXX to XX/XX/XXXX when it was allegedly refinanced and paid off by NJ Lenders who have no proof of payment to XXXX no release of lien, no satisfaction and no record of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by 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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by 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 2020-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Someone stole my card as soon as I realized I contacted Bank of America to lock my account and let them know of the unauthorized transactions so far. They are still having my account charged and taking my direct deposit checks. They will not give me any access to any money so I can atleast get groceries to feed my child. I have been on hold for 3 hours today spoken to 8 people JUST today. I have been banking with them for over 10 years and this is the first time it happened and I am completely disappointed with how theyve handled it

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
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Please be advised I paid off Bridgecrest the middle of XXXX, with a refinance from XXXX XXXX XXXX XXXX they cashed the check on XX/XX/2020 and have refused to show the account as paid in full. 

I have been contacting them to resolve this issue since XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: MN

Complaint narrative:
Harassing phone calls XX/XX/XXXX @ XXXX Missed call XX/XX/XXXX @ XXXX Called wife and asked me to call back. 

XX/XX/XXXX @ XXXX Called and she asked about my loan. Then told me I was paid, then apologized for calling XX/XX/XXXX @ XXXX Another female called and said the first female was wrong and I owed over XXXX. I informed them that I needed to buy propane for the house and was unable to make the payment. She proceeded to pry and ask how much money I made, how much my check is and when I get paid. Accused me of fraudulently reporting my income. 

XX/XX/XXXX @ XXXX Called and accused me of refusing to pay debt, then called me a 5 year old. Stated you better find a way to pay by XXXX. She continued to ask about how often I am paid. Told me to sell my vehicle and give them the money. 

XX/XX/XXXX @ XXXX Called me and I couldnt answer because I am at work. 

XX/XX/XXXX @ XXXX Then XXXX called work, refused to tell me who she was and why she was calling. Called within seconds of each other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15 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: NV

Complaint narrative:
XXXX, XXXX and Trans Union Why do the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Trans Union XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-12-15 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: NV

Complaint narrative:
XXXX, Experian and XXXX XXXX Why do the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX 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 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: OK

Complaint narrative:
My mortgage payment of 3 months under the forbearance program had been deferred and I am in current for the payment. But, I learned that the mortgage company, Cornerstone, placed the aforementioned deferred amount as the second principal, which it has to be paid off once the initial principal is paid off. 

I contacted with Cornerstone since I thought the loan maturity date would be extended for three months more instead to add the deferred amount as the another principal and also that the deferred amount is combine of principal and interest so the whole amount can not be considered as a principal. However, a customer service represent and a loan specialist from Cornerstone said that there is no maturity date change in my loan policy and I have to pay off as a lum sum of the deferred payment once the initial principal is paid off when the loan maturity date comes or if I sell the property before the maturity date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! )

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 2020-12-15 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:
To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you

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 2020-12-15 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: FL

Complaint narrative:
To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you

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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, XXXX, and Transunion this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act

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 2020-12-15 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: VA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! )

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 2020-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I was having problems paying my mortgage due to my mothers sudden death which I ended up paying for. I started having back issues XX/XX/2020, which caused me to miss work a lot. XX/XX/2020, I was put in contact with XXXX XXXX XXXX. They told me they could help me get a modification on my mortgage, and would get a fresh start because I could not afford a repayment plan. I paid them 3 payments of {$1200.00} for this service ( total of {$3600.00} ). This process started XX/XX/2020. Around the middle of XXXX I received a phone call from XXXX XXXX XXXX stating my mortgage company ( Carrington Mortgage ) denied my modification request and would only agree to a repayment plan of {$3.00} per month for 6 months. I explained to them I was just getting back to work full-time and was playing catch up and would not be able to commit to paying double the amount of what my regular mortgage payments are. XXXX XXXX XXXX suggested I file bankruptcy. I did not want to do that because my only debt is my mortgage. I simply needed a fresh start. I have never had or requested for a modification prior to this. I need help. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a credit card with Citi Cards. 

I was approved for the card in XX/XX/XXXX. 

I never received a credit card though. 

On or about XX/XX/XXXX - I received a statement for my credit card account. 

On XX/XX/XXXX - I called customer service at XXXX to notify them that i had NOT received a card and to make my payment. They accepted my payment of {$400.00} and stated that due to an error in their system the did NOT mail my credit card. 

On XX/XX/XXXX Citi Cards used XXXX  and sent my card. Citi Card sent my card to someone else 's address across the country XXXX miles away from me! This address was emailed to me to track my card. The card was delivered to someone else on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi Cards customer service to find out why! Customer service apologized, verified my address, canceled the card they delivered to someone else and said they would issue a new card. 

I asked to speak with a supervisor because I was concerned with their failure to keep my identity and financial information private and for mailing my card to someone else. 

When they transferred me to a supervisor he raised his voice at me and told me that the customer service representative already fixed it and he hung up on me.

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 2020-12-15 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: FL

Complaint narrative:
I checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 checked my credit report, some information is not mine. The following accounts and inquiries contain inaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report

Company response to consumer: Closed with explanation