vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I have impound account with my mortgage in 2019 period. End of 2019, I have refinance my house and I paid the property tax due on XX/XX/2019, however, it was supposed to pay by lender because the lender withhold the impound. I have contacted them for refund of escrow balance. They refused and said they dont owe me any balance. As of the last statement, the balance of escrow about $ XXXX plus but I never got any response or rebate from them. I was frustrated and contact them but the refuse to refund. I have no idea what they are doing I need CFPB to get involve in order to get refund from escrow account. I proof you the proof which I paid property tax for my county and also amount of they collect impound in order to pay for property tax and insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Apparently I see that you have not fixed the problem of my account where they are charging me 2 times for mattresses order # XXXX that I bought XX/XX/2017 3 years ago so I have no choice but to take action against you because that is missing of respect towards the client. I'm sorry but I already took legal measures against you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan officer requested a Pay off for the existing Shellpoint Mortgage. Upon receipt, there was an error with the payoff. The company included a {$7500.00} prepayment penalty. I contacted Shellpoint Mortgage on XX/XX/2019. I called at XXXX XXXX  and spoke with a representative who then put me on hold for 134 minutes and then the call was disconnected. I called back at XXXX and after a few minutes was transferred to a supervisor, a XXXX XXXX. I told them that I had documents that proved the prepay was for 20 % and that it expired 9 months ago. He said that Shellpoint did not have a copy of the loan documents. He said it would take at least 30 days to get them. He said he would order a copy. 

I called back on XX/XX/XXXX at approximately XXXX with a conference call with my mortgage broker in an attempt to get an update on the corrected pay off. XXXX XXXX, the representative stated that the original signed loan documents needed had not been ordered. I asked to be transferred to a supervisor and for some reason the request was denied. 

It's pretty clear that Shellpoint is not interested in servicing the loan. How can you service a loan without the loan documents? Further, the prepayment penalty was for much more than the 20 % even if it was still in effect ... more like 24 %. 

I was able to call the originator of the loan and get a copy of the signed documents in 20 minutes. 

I got the copy of the documents and called Shellpoint again to find out where they should be emailed. At that time I spoke with a XXXX XXXX, another Shellpoint representative. At that time ( XXXX ), I was told that the loan documents had been located ( magically after 2 hours ) and the prepayment had in fact expired. XXXX stated that it would take an additional 3 days to get an updated pay off but that I would receive it by Thursday. 

Additionally, Shellpoint increase my escrow impound account by {$250.00} this year with little explanation ... fortunately, I caught the increase in time so that I would not have a late pay on my credit report. I suspect that this is one of Shellpoint 's tactics for keeping mortagagees in their high interest loans. My Shellpoint loan is at 6 % interest only and my new rate is 2.5 %

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
House hit by Tornado in XX/XX/2020. Check from insurance received and forwarded to LoanCare based on mortgage rules. Some work had to be done to stabilize roof, etc immediately after event along with other work. Paid out of pocket. Sent invoices showing paid in full for reimbursement. Sent info on vendors w9 and lien waiver as requested on website. Still no reimbursement. All work stopped due to LoanCare not releasing funds. Vendor info on already received paperwork. Company states they will not do Direct deposits, send confirmation emails about recorded conversation, and supervisor will not return calls. Seems pretty shady to me. Have held funds 2 to 3 months now while I did paperwork for them Need money since house not fixed. High utilities due to damage. Hole in wall still. No laundry facilities and I am XXXX  during Covid. No kitchen so eating out or microwave food. Please get them to release funds

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 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I joined a Debt Solutions company XXXX XXXX XXXX on XX/XX/XXXX - I added all my creditors to this company including Barclays card ending in XXXX the amount of {$9300.00}. On XX/XX/XXXX XXXX and XXXX XXXX, XXXX. Debt Collectors took over the Barclays Bank Delaware account. 

This was taking over by debt collectors from XXXX XXXX XXXX XXXX XXXX took over this account on XX/XX/XXXX and the account number was switch to account number ending XXXX and the amount of {$9300.00}. 

The agree settlement amount was agree to {$4300.00} and last payment was paid in full on XX/XX/XXXX. 

I finished with my debt solution company was called XXXX XXXX XXXX now XXXX XXXX XXXX to settle and pay off all my creditors on XX/XX/XXXX. 

Barclays Bank Delaware is claiming I still owe them over {$9000.00} and that they were never paid anything from the debt collectors that over this account and even cause the account number to switch in the end. This is causing a negative effect on my credit score from an account that was settled and paid.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Firstmark student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with Firstmark due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to Firstmark and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. Firstmark has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope Firstmark can be accommodating given these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2010 with a balance of {$4500.00}.

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 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CO

Complaint narrative:
I paid off our loan on a camper in XX/XX/2020. I have been calling US Bank about the title status/lien release since early XXXX. The lien release has never been received. Every time I call US Bank, they just keep telling me they will put in the request. Ive called no less than 12 times since early XXXX and keep getting the same run around. This lack of service is unacceptable.

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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Fay Servicing , LLC in XXXX bought my mortgage from XXXX XXXX XXXX and did a 3 month trial period I think that s what they called it. I sent in all the paperwork required and and the end of XXXX, they said that the man who owns my mortgage did not want to give me the 90 day break in payments they led me to believe I would be getting. Now I am 2 months behind. I am almost age XXXX, have been living here for 30 1/2 years and only will be able to live in my 14 year old XXXX. I had a double by pass 6 years and have only Social Security income. I have been told your organization have dealt with this outfit in 2017. I need help and soon. Please contact me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, they said they were going t

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following is a short summary from a complaint that was just filed today with the Florida Attorney Generals Office, I also filled out a complaint with the Consumer Financial Protection Bureau and have made contact with an Attorney specializing in FCRA for Florida. 

I have numerous emails between XXXX XXXX representative : XXXX XXXX XXXX and Bankruptcy Specialist XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Fax : XXXX XXXX in which I have disputed this information 3 times with Experian and each time the report comes back not changed. 

Mr. XXXX has emailed me the letter in which my account was stated as XXXX balance and closed, settled for less than the agreed amount. When I submitted that letter to Experian they reported to me that the only way they can change the report is if XXXX XXXX  advises them too. It seems crazy to me that is the case when I have the emailed letter stating the facts. 

This egregious and intentional continued false reporting on my credit by XXXX XXXX along with the unwillingness to respond to emails and phone calls in reference to my issues can no longer be tolerated. As a disable United States XXXX XXXX, I am saddened that XXXX XXXX insists on a business practice based on purposely reporting incorrect information on credit reports and the negligent actions when questioned on the issues. 

I am happy that there is a recourse for me to work with in achieving a positive result moving forward. I am happy that I have tried numerous times to solve this at the lowest level and that XXXX XXXX 's continued unwillingness to cooperate just makes everyone else that is not involved jobs that much easier to bring me a satisfactory resolution. 

It truly did not need to be this way and I fully intended on working this out. With that said I can not continue to be ignored and falsely reported on by XXXX XXXX and have now been forced to take a different approach. 

I am willing to send additional information in the form of emails and letters along with my most recent credit report from Experian to show that the incorrect data still appears. 

XXXX 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 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America approved my auto loan based on the information I provided them. The details of the sales contract with the dealer did not differ from what BofA approval letter. Their salesperson misled me that they would be able to finance by car purchase ( 85 % LTV ) but it was later denied due to another loan metric ( Maximum Advance 70 % ) that was not explained to 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 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I used Paypal to send a payment to purchase software from a company called XXXX. XXXX ripped us off and I disputed the charge through Paypal. We received a refund. Mysteriously, on XX/XX/XXXX I was charged ( 2 ) charges from XXXX for {$49.00} and {$79.00}. I did not authorize these charges. I reached out to XXXX at XXXX XXXX XXXX XXXX XXXX which is the number on their website. They do not receive calls. They only have a recording that says no one can take calls. There was a number in the Paypal transaction that I tried to call XXXX XXXX also with no success. Paypal closed the case with the response of : The payment in question was sent as part of a billing agreement you previously set up with the merchant. 
We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

First off, I do not know what a billing agreement is or that one existed. Secondly, if this was linked to the rip off purchase last year, then why did no one terminate the billing agreement when I received a refund last year? 

Paypal has put this situation in my lap saying I must contact the merchant. The merchant is impossible to contact. I want a refund for these charges. I did not authorize them. I did not authorize a billing agreement. I do not want XXXX 's software that they already ripped me off on once. We already had a battle with XXXX last year and was awarded a refund by Paypal. Paypal should have never authorized them to ever charge me again. 

The claim number is XXXX. Paypal declined to process the refund claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
This is not my account. Please provide verification, method of verification XXXX XXXX XXXX  XXXX XXXX # XXXX This account is closed but reporting negative information on credit every month on XXXX. The account was deleted from XXXX  and reporting no payment history on Transunion. This is information is inaccurate and not my account account, please removed.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.

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 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I brought a XXXX XXXX XXXX  with XXXX miles on it from XXXX XXXX and XXXX XXXX in XXXX of XXXX the cost of the vehicle was roughly 21,000 it was financed by Chrysler Capital at an interest rate of 16.2 for 72 months all 72 payments have been made at this point I was told at the end that I had a balloon payment of about {$10000.00} I called to find out how is that possible when all 72 payments was made I was told that Chrysler Capital policy is if you late on any payments they have the rights to only apply your payments to intrest only and not to the principal so what they did was stop applying anything to the principal of the loan for at lease a yr which creates a balloon payment at end of your loan. base on a class action lawsuit that have been file against them not only do they Chrysler Capital do this to people who might make a payment late they been doing it to people who pay on time. It is just Chrysler Capital policy to use predatory lending practices against any minority or anybody with a low credit score also what Chrysler Capital have been doing is taking advantage of people with low credit score and feeling that they can discriminate against them because they credit score. this predatory lending practice is outrageous not only that Chrysler Capital also charges you late fee plus interest on any late payments made late so you are being charge intrest over the 72mn and interest on the late fee they are inaccurately reporting these large payments to the Credit Bureau it is outrageous to think that you make 72 payments and then your told at the end you still owe Chrysler Capital {$10000.00} for a car that only values about {$5000.00} what they want you to do is to be afraid that they are going to repossess your car so you will negotiate so they can get more for a car that value have depreciate this practice is racially motivated and discriminately against minorities I was told even though the 72 payments have been made I will not be able to get the title for my car unless I pay this {$10000.00} I am looking for this {$10000.00} debt to be removed from my credit report I am looking to resolve this issue with Chrysler Capital for anymay late fees only no interest.72 payments have been made and the car is mind I do not owe them {$1000.00} i will not give them {$10000.00} i will take whatever legal action to stop this process from happening it is unfair no normal car loan or car company would do this to a consumer to try and Rob them to use predatory practice to manipulate and connive is unlawful I'm asking Chrysler Capital to remove this debt from my credit report I am asking them to clearthis loan if there is any late fees I am willing to pay it without no interest onthe late fees the 72 payments have been made and I would like to have the title of my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with XXXX due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to XXXX and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. XXXX has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope XXXX can be accommodating given these circumstances.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX continued to bill me for services I was never able to use since I moved. They realized this and marked my account as having a XXXX balance and refunding me {$47.00}. They continued billing me on the old account and are now claiming I owe {$160.00} which I do not owe since I moved from that address and called multiple times to disconnect the service. Attached is a document showing their refund for my over payment since I moved. I repeatedly shared this information with Experian via their online dispute system but my submissions were not taken into account when my credit score and payment status were updated.

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