vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
We called loan care the evening of Tuesday, XX/XX/XXXX spoke with one supervisor and two people in the escrow department and one in the insurance department. What happened with our escrow analysis was that it was ran in XXXX as a normal however our insurance company had only sent the XXXX page electronically to them. Loan care treated this as a bill in the same month of XXXX when the hazard insurance was not due until XX/XX/XXXX. Obviously this created a large short fall of our escrow as well as the projected difference for next year as well as the increase in taxes. The total short fall for XXXX should be less than {$200.00}. XXXX hazard insurance amount was {$1000.00} and in XXXX it was {$1000.00}. That is a short fall of {$32.00} for hazard insurance. Taxes in XXXX were {$2800.00} and in XXXX they were XXXX for a shortage of {$150.00}. Total shortage should be {$180.00}. We tried talking with a gentleman in escrow department named XXXX who told us that we can not have a new escrow analysis ran nor could we pay the difference on the new insurance alone. We have asked for a breakdown multiple times of the shortage and nobody is able to provide us that break down. We would just like a new escrow analysis based upon the due date in XXXX for the renewed insurance policy that was paid early on loan cares part or give us a solid number what he shortage of the Insurnace alone for the  renewal in order to correct our monthly escrow. 

Its important to note that every individual we spoke with including the supervisors were unhelpful and unwilling to help claiming that it was not their department or they couldnt run numbers without us sending additional money to deposit in the escrow account and said they did not have access to any of the documents that pertained to our loan for our request. Also the my seem bound and determined to make the customer feel wrong and that there is no solution

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac has been the loan servicer on my mortgage since XX/XX/XXXX. I set my account to receive automated email notices of my monthly statement and receipt of my monthly payment as I am enrolled in autopay. I did this for convenience and given the very bad customer reviews online for PennyMac, I wanted as little contact as possible with this company and wanted avoid any problems since they struck me as an untrustworthy and sleazy outfit. I had been receiving the monthly notices to my inbox without any issues until around XX/XX/XXXX. On or about XX/XX/XXXX, I received a barrage of solicitation telephone calls on my mobile and work numbers from PennyMac trying to get me to refinance my mortgage. I requested to be removed from the call list both to the callers and to customer service to no avail. I filed a complaint with the CFPB in XX/XX/XXXX to stop the telephone solicitations. I received a letter from XXXX XXXX of PennyMac dated XX/XX/XXXX stating that " stops have been placed on your loan to prevent any further solicitation calls ''. Thereafter, I no longer received the automated email notices of my monthly statement and receipt of monthly payment. After many calls to customer service and resets to my account settings, I now receive only email notices of my monthly statement. I called Ms. XXXX  on XX/XX/XXXX and left a voicemail to discuss. She never returned my call. In her letter of XX/XX/XXXX, she suggested that I check my spam folder. I check it daily and there was no email notice of receipt of my monthly payment. Her suggestion that I contact XXXX  to resolve the issue is ridiculous. Further, her suggestion that I go online and log into my account each month to confirm payment has been received is a waste of my time. I plan on keeping the mortgage for at least another 12 years, which would equate to 24 hours of my life for something that would take a second to see in my inbox. In my opinion, PennyMac caused the issue back in XX/XX/XXXX and they need to fix it. Since I am enrolled in autopay, I need confirmation that my payment has been received. If there were some issue, I would have a late payment on my credit report and be subject to a late payment penalty. Even though this is America and land of the free, I am not permitted to choose my loan servicer. The only way I would be able to resolve the issue is to pay off the mortgage to rid myself of PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 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 — Problem with personal statement of dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
One Main Finacial continues to delebratly damage the credit of a co-signer that signed a loan with me on my behalf. They call myself and the cosigner XXXX continously I am only a payment and a half behind. However I continue to make my regular monthly payments I asked One Main could I refinance the loan under my name only and they said no. Mrs XXXX my cosigner called me and said one-main has been calling her and harrassing her about late payment. Also I was told by one-main that we were not seriously in delinquency. However they have began to report this to the credit bureau. Mrs XXXX has perfect credit and she is upset about it. This company calls during hours when I ( XXXX XXXX ) is at work. My supervisor asked me who is that calling interupting you at work. I said One-Main Finacial. I have been harrassed and threaten by One-Main- Finacial. I was told one time by an employee if I didnot make a payment I could be sued or they will go after XXXX and that I would be the cause of her credit being damaged. Althoug I make a payment every month. This continues this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: IL

Complaint narrative:
I have tried many times to dispute an account with Experian with an account with XXXX XXXX Mortgage. It is hard to include the dates as it has been an issue that I have been trying to resolve for 2 years now. XXXX XXXX Mortgage violated the Servicemembers Civil Relief Act ( SCRA ), while taking my house. XXXX deleted it off my credit report because XXXX say that XXXX XXXX was in the wrong. Everytime I try to dispute this account, Experian comes back with the dispute was not legible or they did not understand the reason for the dispute. But I clearly state why I am disputing this account. It is because XXXX XXXX violated SCRA.

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 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I checked my credit report and out of no where I have this collection in my report from " Midwest Recovery Sys '' opened XX/XX/2019 for {$1400.00}. I have never had any business of any kind or service with this company. I do not recognize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: NY

Complaint narrative:
Good Evening, I have a vehicle that i had financed through XXXX XXXX XXXX XXXX. In XX/XX/XXXX Hurricane Sandy had hit and left a devastating impact on my home and finances. In XX/XX/XXXX i lost my income and struggling to pay for my vehicle. At this time I had paid off my vehicle and received a letter from XXXX XXXX stating it was paid in full. XXXX XXXX XXXX XXXX is reporting on my credit report inaccuracies and i would like them removed. Please feel free to contact me at any time. 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 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Initially when the loan was taken out in XXXX, the loan was not set up for a period of over 2 months. When the bank was contacted it was the loan was not due and the was no monies owed. When the payment was sent in XXXX of XXXX, it started off in arrears as their were 2 payments due. 

Trying to work out the payments to get his paid up, in XXXX of XXXX, the bank stated the amount would be rolled into the end of the loan. This was not correct as interest was continually charged. 

Moving forward to XXXX of XXXX, a payment was made on the vehicle on XX/XX/XXXX and then the vehicle was repossessed for non-payment. The bank stated the payment had not been kept. The vehicle was then repossessed on XX/XX/XXXX. 


The vehicle was set to be auctioned for on XX/XX/XXXX, if the funds were not paid by this date. When calling to get the amount due the total amount was given in the amount of XXXX that was supposed to include all fees. When a bill was sent on XX/XX/XXXX there was a total of XXXX that was now due. The reasoning given was the monies were applied incorrectly and if applied correctly would put the car back in repossession status. I do not feel that the fees should have been assessed over a month later and in XXXX after being told on the XXXX of XXXX that the vehicle was current and no extra fees were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX store card keeps showing me as having a balance is saying i owe when the cad is paid in full and close. Please remove this erroneous information from my account.

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 2019-03-20 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: NY

Complaint narrative:
XXXX store card keeps showing me as having a balance is saying i owe when the cad is paid in full and close. Please remove this erroneous information from my account.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced XX/XX/XXXX. XX/XX/XXXX company transferred loan. XX/XX/XXXX requested to remove PMI insurance. Mortgage company told me I have to pay {$460.00} for an appraisal. I did. XX/XX/XXXX appraisar arrived we told him we remodeled bathroom he put this in appraisal. We told him we added central air and heat he did not add this in appraisal report. We told him we upgraded plumbing to copper he did not add this in appraisal report. The house directly next to us sold XX/XX/XXXX appraiser did not include this house in comps and it sold highest in neighborhood {$590000.00}. I asked mortgage company to request revision they refused. They told me my loan has to be 2 years and they are not counting origination date. Mortgage company told me Ltv has to be 80.59 % and I came in at 80.45 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Coastal Finance Company, Inc.
State: NC

Complaint narrative:
I have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX Closed : XX/XX/XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).

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 2019-03-20 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: OH

Complaint narrative:
ATTN : Legal Department I would like the following information deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate .XXXX XXXX XXXX  Closed : XX/XX/XXXXThis is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. As well as The items that appear on my credit report as XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ).

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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc.
State: VT

Complaint narrative:
According to paperwork I received from a neighbor ( The mailing address was wrong, so it didn't come directly to me, and we have many new mail carriers who are unfamiliar with our neighborhood, so I'm guessing they didn't recognize my name ), my job requested a motor vehicle background check on XX/XX/2019 after working for them for over 5 years. Sterling XXXX XXXX is the company who did the background check and provided a report to the HR department of the company I work for. I did not sign any documents giving permission for a background check to be done, so this was done without my consent and then provided to my employer, who sent a letter this week, saying they are terminating my employment for a speeding ticket from almost 2 years ago. I need help addressing this matter where illegal action was taken in regards to my personal information, then provided to my employer, resulting in termination. Exact words are, " Based on this information received from Sterling XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, telephone ( XXXX ) XXXX, we have decided to revoke your conditional offer of employment. '' Can you please help me get this resolved? 
With Gratitude.

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 2019-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My FHA home loan was sold to Mr. Cooper approximately a month ago. I setup a password and 1 security question. I have since forgotten the password and when I request a password reset, I MUST answer the security question correctly, except after 25 attempts I clearly do not know my security question response. There is no other way to get a password reset. I called Mr. Cooper and each time I use the VR to request an agent I get a recording stating volumes are too high, the wait would be too long please call back later, with NO offer of a callback, the VR the drops the call. No voicemail message can be left. I have called back more than 10 times on different days and always the same message of volume too high, call back later and then the call is cut off. It does tell me I can service the loan on the web ( the irony! ). The last time I called it was 10 minutes before their stated close time and I received a message saying they were already closed. I am completely unimpressed with Mr. Cooper as a loan servicer. 

I can not get statements and I have lost an opportunity on a loan I was in the process of procuring because I could not provide my most current mortgage statement, since I am paperless and need to get them through the website. 

I am not late on my payment, as I did have the payment set up for auto-withdrawl.

Company response to consumer: Closed with explanation