vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
On XX/XX/2021, I closed on a conventional home loan through XXXX Bank for my home. The purchase price was $ XXXX and the loan amount was {$380000.00}. A month later, I sold my former home and wanted to use the proceeds from the sale towards my new loan in order to achieve 80 % LTV and remove PMI. Prior to closing, I asked the mortgage broker if this would be acceptable, and she said yes. 

In XXXX, our loan was sold to Planet Home Lending. In early XXXX, 2021, I contacted Planet Home Lending inquiring about PMI removal. I was told I would receive a letter in the mail in 4-6 weeks with information regarding the process. In early XX/XX/2021, I received the letter. The letter did not provide the information I needed so I called Planet Home Lending. On XX/XX/2021, I spoke with Planet Home Lending. I asked for the specific amount that I needed to pay in order for PMI to be removed. I was told that PMI can not be removed prior to 2 years, and once the 2 year period occurs, the XXXX must be 75 %, not 80 %. I asked for this in writing and was told they do not have a letter to this effect. Planet Home Lending offered to send an amortization schedule, which I already have and is not helpful in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I asked my bank for credit increase and was refused. Seen on the letter they mailed explaining why.. My credit score was not correct they are giving my bank incorrect info on my credit reports ... When i attempted to fix the problem by calling their business line their system refused to even allow me to talk to anyone human which would be the only way to figure out why they are sending wrong credit info to my bank ... .. So im here creating a report of fraud because they are not even trying to let me fix 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 explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX Capital One received a debt validation letter from me regarding the alleged debt that they are claiming i owe. Any person who attempts to collect a debt falls under the FDCPA ( Fait Debt Collection Practices Act ) Under 15 USC 1692 ( g ) I requested a written notice containing the amount of debt owed, the name of the creditor to whom the debt is owed and a statement that upon the consumers written request within a 30 day period the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor. I also requested a ( n ) audit trail according to ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX of the alleged debt that is owed on the account stated in the letter. This is a violation of 15 usc 1601 subchapter ( a ) & subchapter ( b ). Its been 2 months Since this letter was sent ( usps tracking XXXX ) this is also a violation 15 usc 1692e ( 2a ) 1. False representation of the character, amount, or legal status of any debt ; or 2. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Capital Ones failure to correspond is an admission of guilt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have a current mortgage with Lakeview Loan Servicing , LLC. We bought our house on XX/XX/XXXX, so our first escrow analysis was due in XX/XX/XXXX. We received our analysis that said had an overage of {$460.00} and that it would be mailed separately. Our account " shows '' that a check was issued on XX/XX/XXXX. I called the company on XX/XX/XXXX to inquire about my missing check. I was told there was nothing they could do for me until the check had been missing for 30 days. She wouldn't even document that it was missing because it was two days early and I would just have to call back. 
I called back on XX/XX/XXXX because I still had not received my check. The representative I talked to assured me that she would expedite my claim and check would be in the mail no later than Friday, XX/XX/XXXX. I once again called on XX/XX/XXXX because I STILL have not received my money that they are withholding from me. This time I was told that the check had been issued XX/XX/XXXX and I should have it soon. I received an e-mail the same day that said my escrow refund was now in process! I'm still not even sure a check has been issued. This is well out of the 30 days that is allowed to issue a customer their overage on their escrow account. 
I have tried to be fair with Lakeview Loan Servicing , LLC. However, they have grossly mishandled this situation. I asked the last representative that I talked to if there was a way to wire or overnight my money since we are going on 60 days without it. He said that was not possible. I did ask him to note in my account that if I had not received my overage by Friday, XX/XX/XXXX then I would be filing a complaint with the CFPB. I have never been late on a payment in my life and they can't seem to refund my money according to the government guidelines. I will be interested to see how long it takes for me to actually get my money that they are withholding.

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 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received letter from Wells Fargo with the subject : Confirming Overdraft Protection. The letter is confirming a request for an overdraft protection on a Wells Fargo Everyday Checking. 

I did and do not have a checking account with Wells Fargo.

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 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CO

Complaint narrative:
I used to live at XXXX XXXX  apartments. I had to leave because they refused to fix the poor water issues, the ants, mice problems, and AC/heater issues. I had always paid my rent on time. I had XXXX children living with me at the time and I had to leave every morning for about 7 weeks to get them showered and ready at a different home. I had complained several times and no one did anything. I ended up leaving on XX/XX/XXXX of 2018 and i went elsewhere, because i needed my home to be a safe place for my children. I knew about the breaking of the lease, and the cost of {$1800.00} dollars. I left and the credit collectors kept calling and calling. I did try and work out something with them and they wouldnt hear anything i had to say. I tried payments and even tried to settle, but they said they do not settle and i owe them. I do not feel like i need to pay for this especially when they didnt keep to their end of the lease. Now the cost is over {$2600.00} dollar and i refuse to pay them. Plus i am taking a hit on my credit and that makes me even more furious because now i am having a hard time renting. 
I feel like i was wronged and i do have others that were in the same boat, but they also left. The rodent issues were all over the place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
There was a pass due XXXX cable bill from XXXX. It paid was XX/XX/XXXX to the debt collection agency XXXX XXXX for the settlement amount of {$1100.00}. As I am trying to move into an apartment this week the debt appeared again now from a collection agency EOS-USA. I have contacted XXXX about this matter and they sent me a letter stating that theyll contact all major credit reporting agencies for deletion and that I must contact EOS-USA myself. When I contact EOS-USA they can not find my account and they are rude and dismissive. I have the letter from both XXXX and my paid receipt from XXXX XXXX. I am trying to resolve this issue but XXXX wont speak to EOS-USA in order to settle this matter. To make matters worse I tried to contact XXXX XXXX and found that the company permanently closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TX

Complaint narrative:
I have disputed several times with XXXX/XXXX and Transunion and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 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 2021-05-17 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: TX

Complaint narrative:
I have disputed several times with XXXX/Equifax and XXXX and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: NY

Complaint narrative:
Choice Recovery, Inc. sent me two statements XXXX XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX, XXXX for {$320.00}. I sent the firm a cease letter by certified mail on XX/XX/XXXX and the firm still reported this debt to the CRA. I had to dispute it to have it removed. Choice Recovery, Inc. sent another letter on XX/XX/XXXX for XXXX XXXX, XXXX for {$170.00} I sent the firm a cease letter on XX/XX/XXXX and the firm still reported this debt to the CRA. I need this false reporting removed from my credit report and the firm needs to know the FDC act. Its just a matter of time before they create another fake collection with a diffrent dollar amount and disregard my cease letter and report it to the credit reporting agencies. I need this to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received a letter dated XX/XX/2021 re : Your TD Bank Checking account ending in : XXXX. 

I did and do not have a checking account with TD Bank. 

After a couple of days, I received two packages with two sets of TD Bank check books inside that have different account numbers at the bottom. I did not order these because I do not have an account with this bank and never had any account with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I am a victim of XXXX discrimination in a home appraisal. My home was under valued by at least XXXX and it is due to my race as a homeowner and minority Veteran. My community is brand new ( 3 years old ), there are over XXXX homes here and my neighbor just sold a 1 story for XXXX which is less than what my 2 story was appraised for and I have over XXXX more square living space and 2 extra bedrooms and 2 extra bathrooms, a bigger lot and many upgrades. There are many homes that look identical to mine that are valued at XXXX to XXXX just around the block from me. The appraiser also utilized homes as comparisons outside of my community which is incorrect and should not be done. The value of homes is supposed to be based on your homes community not someone else 's. The 2 other homes listed on my comparison appraisal are over 20 years old in another community, how is that fair?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Equifax Credit Bureau Attention : Compliance Supervisor/CEO To Whom It May Concern : I am sending this letter again in response because I have recently checked my credit report with your company Equifax. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt or delete it immediately. 

XXXX XXXX XXXX NOT MY ACCOUNT- DELETE IMMEDIATELY If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. 

I look forward hearing from you to resolve this concern. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had account with coinbase for over 2 years. I placed trades on and off. In XXXX I took radical decision, I decided to become an active day XXXX  in XXXX. I refinanced my house and put over XXXX in my coinbase account. I was doing very well. I was able to raise my account to over XXXX before They decided to lock my account. All I asked to help me access my taxes information to file my taxes. All of the sudden teceived an email from them saying we locked your account and they gave me instructions how to get my account back. It has been over week, I send over XXXX emails through their help desk because they dont have life customer service with no luck. All I received from case no and email stating that we assigned your case to a specialist and he will get back to you. I lost over XXXX since they lock my account. In XXXX market one week is too long. I am day XXXX and I close my trade either daily or next day. Another incident happened to me over month ago. They executed a stop limit sell I put on coin way below market price. They executed my trade at the stop limit price I put even though market price has not reached that price. They also send me case no with email stating that specialist will look into it. It has been over a month and I have not heard from them. I really hope you can help me regain my account back.. I am sure I am not the only victim. I really hope someone will investigate what s going on inside coinbase because they are committing frauds. Your help is greatly appreciated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/XXXX I reached out to pay off a debt that popped up on my credit report that I recognized from along time ago And I paid the debt off. Then another account was mentioned by collections that I had no knowledge of was mentioned. I put in a dispute because I had no knowledge of it and now its popping up on my credit report impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: NJ

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). 

I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. 

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 2021-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have owned the home for about a year now. When I bought the house there were no exemptions on the taxes. My mortgage payment is usually ~ {$1400.00} a month. In XXXX I was approved for my tax exemptions, XXXX veteran and homestead exemptions. I expected my mortgage to go down after sending the approval letter to AmeriHome Mortgage Co. ( My mortgage company ). The first letter I send just showed that I was approved for the exemptions and to my surprise, the mortgage company didn't know how to apply them to my account, so they closed out the request and never notified me of the resolution. However, I was never told they needed a breakdown of the estimated taxes for 2021. Long story short I finally figured that out. So I contacted the XXXX County tax assessment office and got an official breakdown of my exemptions for 2021. The award letter and the tax estimate breakdown documents are attached. 

I was told that the escrow analysis would take about a week. Two weeks went by and still nothing. I was concerned because my mortgage payment was coming due on XX/XX/XXXX. I was then told that my mortgage payment wouldn't be considered late and that my credit wouldn't take a hit until the XX/XX/XXXX. So I called nearly everyday and sat on the phone for countless hours. I was told my analysis would be complete on the XXXX. I was also supposed to be contacted by a manager. None of these ever happened. My mortgage is now ~ {$1700.00} a month. I was also told that they can't do an escrow analysis based off of tax estimates?? That makes no sense, as escrow is an estimation until the taxes come out for the year in XXXX ... 

Basically AmeriHome is very incompetent of servicing my mortgage. I have tried to explain the urgency of my situation and it falls on deaf ears.. ( see attached. ) Also I have been hung up on several times when asking for a manager. I'm told I'm being transferred and then click, they hang up.. 

As of today ( XX/XX/XXXX ) I have a payment scheduled for {$1700.00}. Now I am concerned my credit will show a late mortgage payment, destroying my perfect payment streak on all my bills. I don't believe this is my fault and I would like this not to show on my credit that I have worked so hard for. 

I simply want an escrow analysis. I will eventually refinance when I can and get out from underneath this company. Also, I would like to add I am never contacted about anything I request. It's like I'm being ignored.. 

In addition, I am obviously not the only one having these issues.

P.s. They respond to me with wrong Loan Number as well ... .. Please let me know if anything else id needed to help paint the picture of my complaint. They were also at one point saying I had an escrow shortage .... See attached. 

Thank you. 

See their reviews here : https : XXXX ( Please see attached for all documentation and evidence. )

Company response to consumer: Closed with explanation