vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
Dovenmuehle Mortgage Inc. aka XXXX XXXX XXXX   kept claiming that they never received my Loss Mitigation Package Application for Short Sale of property located XXXX XXXX MD XXXX. I have located proof of the faxed confirmation that they did received the paperwork, as it was sent to them multiple times by both realtors that assisted me. XXXX XXXX with XXXX XXXX XXXX, who was with a different realtor company at the time has proof of the paper work sent, and so does XXXX XXXX with XXXX XXXX XXXX XXXX who also submitted the completed Loss Mitigation Package multiple times on my behalf right before I went into the XXXXl for major XXXX and right after. I located the one of the fax confirmation, which proves that Dovenmuehle Mortgage Inc sat on the completed application package each time, and made false statements to you in prior reports. Dovenmuehle has cost me to rack up over {$1800.00} in condo fees due to starting premature foreclosure on the property in XXXX XXXX Maryland in XX/XX/2018, weeks after I was released from the hospital after having XXXX major XXXX. The move time that passes, the more debt has accrued on the property, only hurting me further. All of this was intentionally down by Dovenmuehle Mortgage Inc., and I am not their only victim. Dovenmuehle has a track record of false statements and deception. I have attached my fax confirmation of the very first completed Loss Mitigation paperwork sent over to Dovenmuehle, the two realtors I worked with has proof of the other multiple times the completed Loss Mitigation package was sent. Dovenmuehle kept asking for the same paperwork over and over again, and it was sent many times. Dovenmuehle unethical and untruthful practices has hurt many people, and they need to be held accountable. 
Please also see the others who have complaints concerning Dovenmuehle Mortgage Inc. 

https : XXXX XXXX  This company needs to be investigated and shut down and order to pay restitution to those they have hurt intentionally. There are other social media sources that such as XXXX and other with reports of Dovenmuehle Mortgage Inc. unethical practices. Dovenmuehle is running a scam and are untrustworthy. 


State of Maryland XXXX Of The Commissioner and Financial Regulation is investigating Dovenmuehle Mortgage Inc. for all their wrong doing also. You may  reached them at XXXX Multiple complaints regarding Dovenmuehle Mortgage Inc. has been reported for years to no avail. Something needs to be done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, I received an email from XXXX stating that my store credit account has been closed at my request. I called XXXX the same day and asked for an explanation since I never requested to have my account closed. They told me that someone called XXXX and was trying to get into my account however they were not able to provide the social security number. The person that called was not able to verify the social security, but XXXX still changed the mailing address at this unauthorized persons request, they also changed the account PIN, and they closed my account at this persons request! XXXX employees acted in negligence and did not comply with security measures by allowing an authorized person who was not able to verify himself, to change my mailing address and account security information. 
XXXX says they can not reopen the same account because it is already closed, they offered to open a brand new account but that is not what I want.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Charge # 1 On XX/XX/2019 I mistakenly authorized a transaction for {$1400.00} to a company called XXXX. 
Credit # 1 I notified CitiBank who then issued a security credit to my account on XX/XX/XXXX Charge # 2 On XX/XX/XXXX XXXX issued a credit to my account. 
But Citibank posted the credit from XXXX as another CHARGE Credit # 2 XX/XX/XXXX Citibank issued a conditional credit after I called to complain. 
Charge # 3 XX/XX/XXXX Citibank Reversed ( Charged ) {$1400.00} to my account again ( now the 3rd time ) and charged me {$72.00} as a transaction fee. 
XX/XX/XXXX charged interest of {$1000.00} even though I continued to pay my bill in full each month.

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 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Receive a garnish at work. Never had a court date to challenge the debts. This company had been taking money out of my bank account many time for debts I know nothing about. I am tried of it happen and want put a stop to it. The name of this company is New Century Financial Services and the Attorney is XXXX & XXXX. They have cause me much pain and financial hardship over the pass couple years. I plan on getting debt lawyer. I believe what they are doing to me and maybe other is not fair or right. The last time I talk with someone on the phone they wanted me to prove I didn't owe the money how can I prove something I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
XXXX XXXX held mortgage until we were eligible for a modification ( two month window ), they transferred loan to Rushmore Loan Management Services after modification application and told two months until eligible. Rushmore also inspected and burglarized property upon loan transfer. I started process of filing complaint but the stress for me unbearable dealing with them as I am disabled. 
They have continued to create a financial hardship as they refuse to accept pay-off. 

Rushmore was paid in full by XX/XX/XXXX after disregarding application for loan modification. ( property had appraised for {$46000.00} and not XXXX as owed ) So we paid full amount owed. 

They dragged out each payment and I kept paying trivial amounts to pay off and they still would NOT release lien. 
Rushmore continues to bill us with XXXX in escrow in their hands and our loan paid off, including charging late fees and higher mortgage payments. 
It is XX/XX/XXXX and they continue to place fraudulent charges on this paid-off 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 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX charged me for promoting XXXX  that we returned because we were talked into taking and we were still charged for them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: AES/PHEAA
State: TX

Complaint narrative:
On XX/XX/2019 a letter was sent to fed loan in regards to a consolidated loan/deferrment that was approved but does not reflect on credit reporting. Account shows current however in credit reporting shows 90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: MA

Complaint narrative:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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 2019-06-12 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: MA

Complaint narrative:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to XXXX me and XXXX my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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 2019-06-12 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: NJ

Complaint narrative:
Ive sent a reinvestigation to Equifax and requested verification of the Bankruptcy listed on the account, on XX/XX/2019. They had 15 days under the FCRA 611 to complete the verification. This included who they spoke to at the Courthouse, not a third party verification, as I am entitled to by law. Ive contacted the courthouse and they do not verify such personal information. I also submitted proof that their alleged third party verification did not match to me, as there were two individuals with my name and initials an not one address on the XXXX  full report matched mine. They claimed my social and ID were not visible, although I've sent it several times, including with my original dispute. I resent the documents to which they said they received them via USPS mail on the XX/XX/XXXX and it will take 7 calendar days. There is no update and it has not been corrected. This is preventing me from applying for certain financial aid as well as causing a great harm to my credit score. I am demanding this be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: MI

Complaint narrative:
This {$39000.00} debt is not mine. I sent a registered letter on XX/XX/XXXXstating the debt is not mine nor have I ever even went to the college in question. They sent back 3 promissory notes from the college signed by another individual, and a typed statement with my name in place of the original borrower on XX/XX/XXXX. I thought that would be the end of it as they sent me the promissory notes clearly with someone else 's name on them, however, AlliedInterstate sold the loan apparently to XX/XX/XXXX and now once again I am getting letters for payment.

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 2019-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Dear CFPB, In XX/XX/XXXX I was solicited to refinance my home located in XXXX XXXX while I resided in Hawaii working for my employer. My home was being rented out. I was advised by the Pennymac loan officer to finance it as an investment property. I stated I had already considered refinancing because we wanted to purchase a home in Hawaii as our primary residence with a VA Loan. I was told if I followed through with the refinance I would be able to secure another mortgage as a primary residence with my husbands VA entitlement benefits. I verified this MORE than once. I explained how important it was that we were able to buy another home that I had a baby on the way. When we went to purchase another home we found out that was not true. We would have to refinance yet again our home as a conventional loan for an investment property. I can not explain how expensive the misleading information I received has been. Rent in Hawaii was {$5600.00} a month for our 2 bedroom apartment. When my youngest son was born and our family outgrew our apartment and we couldnt afford to refinance again to buy a third home we were faced with relocating. I am now trying to buy a home as our primary residence in XXXX XXXX and the amount that was added to our home makes the loan to value too high for a conventional refinance. I also reached out in the process of trying to refinance our current loan I had let the payment stretch to the max in hopes the refinance would be done and the loan would be paid. In setting up autopay through our bank. I confirmed with Pennymac and XXXX   that they could transfer the payment within 1 day to avoid a 30 day late. As soon as I figured out our refinance would not go through in time. I called to arrange the payment and when it wasnt received I received no call. They had no problem calling me every day when it was late but after I called let them know I had made the payment I received no confirmation. The moment I found out it wasnt received I paid it directly. The inability to refinance my current loan and The 30 day late being reported from XX/XX/XXXX is keeping me from qualifying to refinance it on my own. Its outrageous that the deception from Pennymacs agent in XX/XX/XXXX is continuing to hurt my family. I previously reached out to management and was told they listened to recorded calls and didnt hear the agent provide inaccurate and intentionally misleading information. When I asked for a copy of the calls they refused to provide them in writing or by recording. The funds it cost to refinance and the additional interest should be reviewed. 

XXXX XXXX XXXX Property Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: VA

Complaint narrative:
I am a retired XXXX XXXX XXXX. This MAY be an attempt to collect a fraudulent balance for an old credit card account. An account was opened at an Ohio bank many years ago ; the bank kept changing my address without consent and refused to let me see missed monthly statements. I reported this to the creditor as part of my identity theft problem. I paid the amount I had charged, after ordering the account closed with a total amount of less than $ 6K INCLUDING the fraudulent charges. I paid the final $ 4K+ I owed in XXXX and was sued by the account holder, XXXX XXXX , in XXXX or XXXX, where the suit was dismissed in XXXX , VA District Civil Court . I received a form letter from " National Enterprise '' XX/XX/XXXX dated XX/XX/XXXX. I previously began receiving robocalls on my office phone several weeks ago, with one of the caller-I-D signals indicating " National Enterprise ''. The same calls arrive at least daily, often with a different spoofed phone number. There is no live person talking and no mention is made of what " National ' wants.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
My father passed away on XX/XX/XXXX. There was no will. I informed his mortgage servicer, XXXX, on or about XX/XX/XXXX. At that time, they requested various documents -- death certificate, etc., which I submitted via the e-mail address they provided me. Nevertheless, the company proceeded to foreclose on the home. I paid {$6400.00} from the estate on or about XX/XX/XXXX, to reinstate the mortgage, and I set up auto-pay to keep the mortgage payments on track. The first automatic payment of {$760.00} occurred on XX/XX/XXXX. Around this time, XXXX informed me by mail that the mortgage was being transferred to PHH. Also around this time, I was informed by mail that the lender placed insurance was cancelled. In correspondence dated XX/XX/XXXX, PHH informed me by mail that it was attempting to collect a {$1100.00} " collection cost. '' This is a bogus charge. I have tried on multiple occasions to speak to customer service. After hold times of 20+ minutes, I give up. I am unable to access the PHH online system and have been unable to get through to technical support due to excessive hold times. On XX/XX/XXXX, I sent an e-mail laying out my concerns to two e-mail addresses that were contained in correspondence. I have received no response. I have accepted an offer to sell the house, and I don't want issues with the mortgage company holding up the sale. Monthly payments continue to be withdrawn from the estate account although the payment amount is now {$730.00} for reasons unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Refuse transfer money from CD account to CHKG account Mrs XXXX XXXX service client/.

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 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants & Medical bought an alleged debt from XXXX XXXX on or around I assume XX/XX/2019. Realistically they could have bought it prior to XX/XX/2019 and I assume they just parked the debt until I started applying for a mortgage because surprisingly after 8 months of not hearing a word from the original creditor ( XXXX XXXX ) this debt magically appears on my credit report without written notice that I could dispute the debt, which I would have had I received notice. I suppose they just did not really care about providing notice that I could dispute the debt as it is only for {$96.00}. Thanks to their slimy, unethical and questionable debt collection practices my score dropped nearly 100 points and I no longer qualify for my first mortgage. Had I received notice from them that I could dispute the debt I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
An Account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau Agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and not being liable any longer for this debt with the original creditor.. I also notice that this collection agency re-aged the account to keep the information on the credit report longer. This lowered credit score 50 points and I am in the middle of buying a home. This is a violation according to the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) as well as violation according to the FCRA Section 605 ( c ) Running of the report period. Hipaa was also violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: WI

Complaint narrative:
First phone call : I called to confirm promo and what credit bureau is used since my credit is frozen They answered my question. The promo he had said " It is in an ongoing promo '' which means to me, that it is running, and something they always have. To Discover this means that it is something they sometimes have. Very misleading. 

I call because one of the credit bureaus was unable to be un-frozen. I called they ran a different and approved prior to this again verified the promotion. I did not have time to do the balance transfer at that time. 

I call after work to setup balance transfer. I'm told it is a 14 month promo, not 18 as promised on their website. They are not willing to honor the promo. They have since pulled my credit, approved a line of credit for something that I do not want to use as there are other options for me at 18 months. If I wanted something shorter I wouldn't have opened a new line and used a line of credit i currently have. 

They want me to fax the screen shot. I do not have access to a fax. I sent the link to the promo to them via XXXX messenger. Due to account security they refuse to forward to the manager required. It is not account information. It is a direct link to their site showing the promotion. I asked to talk to a higher manager and they are refusing. They are insisting on things they can't do instead of what they can. This is the digital age. I should be able to do this all via e-mail. How am I supposed to fax a link? They can't click on it. This could have all been resolved, but they insist on dragging it out. 

This is very poor business practice. Especially saying it is an " ongoing promotion '' What does that mean to you? Means to me that it is something that is available all the time. My credit has thus been pulled based on the information they have provided. This I am not able to undo and now is a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief