vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
I can not get my mortgage company to pay my home insurance out of the escrow. Rushmore loan management services tells me they paid it when I cal but XXXX XXXX company hasnt received it. Rushmore did this to me a few years ago and it wasnt until cfpd looked into it did they finally pay. If my home insurance doesnt get paid they default to an insurance company of their choosing. Seems like a scam. My agent as am I are extremely frustrated by Rushmores tactics. My insurance agency is is XXXX XXXX out of XXXX XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There is an account on my credit report XXXX that I never opened. It has a charge off of {$1100.00} with no balance, and the charge off occurred in less than 6 months of " opening '' of the account. When I XXXX XXXX  there are over 20 hits of people alleging fraud. I called Equifax on XX/XX/XXXX, reported the fraud. They emailed me on XX/XX/XXXX, telling me the dispute was won in favor of XXXX 

I asked to appeal ( by phone on XX/XX/XXXX ), and was told, they would start again, and ask for " paperwork ''. I do not trust them to correct the issue and wonder if the the people perpetrating the fraud are controlling the investigation ( at XXXX not Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergent Outsourcing INC, was PAID IN FULL by Cashier 's Check with a letter of agreement to report to three credit bureaus. I also submitted a letter that indicated that if the cashiers check was cashed then the company agreed to update credit file within 30 days. Convergent has NOT updated my credit file and it has been over 90 days since they have received the FULL 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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My XXXX account has unable to log into Pnc bank to save me money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
XXXX XXXX had sold my loan to PNC Mortgage in XXXX. I have made numerous calls to PNC Mortgage in regards to why I had an escrow amount and then an increase in my monthly payment. All PCN customer service reps said it was due to a home owners insurance issue and that it would be resolved. My last phone call to PNC, I was told that the reason that it was not resolved is because I needed to contact XXXX XXXXXXXX because XXXX XXXX added gap insurance to my loan when sold. PNC said that XXXX XXXX needed to correct the insurance error and notify PCN. This is the only way to clear any escrow amounts/increase in my PNC mortgage payments. The two insurance policies documentation were provided to PNC and XXXX showing that there was never a gap in insurance. Both mortgage companies have told me they could not resolve. 

XXXX XXXX LOAN NUMBER : # XXXX PNC Bank LOAN NUMBER : # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
My husband and I each received a bill from XXXX  XXXX XXXX for respectively {$650.00} and {$910.00} from more than 10 years ago ( and previous marriages ) that we had absolutely no knowledge of. When I called the collection company, Convergent, they gave us the dates for which these were due and the amount. According to XXXX   XXXX XXXX they sent 3 letters to my husband and 5 to me. This is absolutely ludicrous! Especially since I know we both usually are in the habit of forwarding all of our mail to a new address when we move. I never received any such letter and neither did he. We currently have no outstanding debts and pay all of our current ones always and on time. Had we any knowledge of these we would definitely have made arrangements to pay. 

In addition, the statute of limitation is definitely in effect. I want XXXX  XXXX XXXX  to eliminate these debts as they seem quite fraudulent after so long.

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
I'm in the process of refinancing a home. I was overdue on one of my credit cards for the month of XXXX, where the credit card was over 30 days late. I brought the account current prior to the credit card company reporting the information to the credit bureau as late. 

I was told by a customer service representative that if I pay for it before it reports then it would not show on the credit report, and this was the case. Since I'm in the process of purchasing a home I've been a hawk about monitoring my credit report. For the month of XX/XX/XXXXthe credit reporting agency reported that my account with the credit card was current for the month of XXXX. 

However, in the month of XXXX the credit card company changed the information that was reported for the month of XXXX. My issue is that in the month of XXXX I began the refinance process and had a clean credit report. So I paid for an appraisal ( {$500.00} ) and to transfer the title of the property that I'm refinancing approximately ( {$1000.00} ). 

As the refinance process came to a close they bank is no longer willing to refinance the home due to the one late payment being reported by the credit card company ( see attachment ). 

My complaint is the fact the credit card company retrospectively updated the information, and if they never retrospectively updated the information I would not be out {$1500.00}. 

Additionally, I was proactive in reaching out to the credit card company detailing the issue on two occasions to no prevail ( see attached letters sent ).

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 2020-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
In XXXX of 2020, we were given the approval for a loan modification on our Mortgage. Our new loan/modified loan was set to begin XX/XX/2020. I made our payment for XX/XX/2020 in XXXX as soon as our modification was approved, and planned on paying our mortgage from XX/XX/XXXX onward with no issues. Our company then notified me that our loan was going to be transferred to a new servicer as of XX/XX/2020. On XX/XX/2020, I contacted my new servicer, PHH Mortgage to make my payment. They stated that I was behind all the way back to XX/XX/2020. They had no record of my modification or that it had been completed. They said they could research it and I send them my completed and recorded modification twice over the next couple of months. They would not allow me to make my payment unless I had enough money to make approximately 5 payments due to them Showing that I was behind that far. I didnt have XXXX $ to make this many payments so they would not take my payment until it was either resolved and showing that it was modified or else if I had the entire amount. I have called and spoken with this company 1-2 times per week since the beginning of this transfer and they still have not shown or updated that my loan was modified right before being transferred to them. I have provided proof and have been following up non stop. This has caused my husband and I to just decide to sell our home while we still can because this has been so XXXX. I have not been able to sleep or eat and it has caused XXXX XXXX due to XXXX. I have been very patient and very diligent trying to get this resolved. I am extremely worried this will affect my credit for a long time to come and I feel it is absolutely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NE

Complaint narrative:
Our mortgage was bought by Shellpoint Mortgage Servicing fall of XXXX. 
XX/XX/XXXX we received a letter stating we did not have HOA insurance coverage and if we didn't provide the policy, a policy would be purchased for us. 
XX/XX/XXXX, received a letter that the policy was cancelled, since we have adequate coverage. 
XX/XX/XXXX, received a letter that they were unable to verify our coverage and to provide the documents or they would purchase a policy for us at a cost of {$140.00}, which would be applied to our escrow account. 
On XX/XX/XXXX, XXXX XXXX, customer service rep, called and talked directly to my insurance agent and received those documents while I waited on hold, and they still state they don't have current information on file! 
XX/XX/XXXX, received a letter stating our HOA has expired and they need documentation. 

During this time,XX/XX/XXXX, I have called numerous times, talked to several customer service reps, emailed these documents while on the phone and waited until they received the message and verified that they had my insurance documents. I have also emailed direct to the company, requesting confirmation and requesting that their insurance purchased on my behalf, be cancelled and my escrow not billed. I have also faxed all documents to them on XX/XX/XXXX, and XX/XX/XXXX. 


We have no direct line to contact the company to talk with a person in charge or the insurance department. The only number provide is XXXX or fax XXXX. Each direct call is with a different customer service rep and then I need to explain the whole issue from the beginning. 

I have provided all HOA and personal insurance documents since XX/XX/XXXX feel these people are not taking care of their customers, and recording information correctly. 

I feel this is an insurance scam, to purchase policies, charge our escrow, hoping people will not notice, and some insurance company will make money from this. If not insurance scam, then very bad service, and company process and handling of customers documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
In XXXXXX/XX/XXXX, I turned in a XXXX XXXX  XXXX at the near end of the lease prompted by encouragement from the dealership ( XXXX XXXX XXXX XXXX XXXX, SC ). The dealership put me in a new XXXX XXXX XXXX with a new lease. Despite the lease still having 3 remaining payments on it, the dealership said they would take care of it as an incentive for leasing the new XXXX XXXX. Additionally, Kia Motors Finance provided me with statements showing the lease with a XXXX ( {$0.00} ) balance. Please see screenshots and documents attached. 
Now, Kia Motors Finance has sent me letters stating I owe {$680.00} ( 3 payments ). This is wrong as they already paid off the XXXX XXXX   XXXX lease. 
I mailed them a letter in XXXX responding to this debt collection effort and a subsequent one in XXXX. I believe that in failing to respond to my letter in writing from XXXX, Kia Motors Finance is in violation of the Fair Debt Collections Practices Act as well as Regulation X for sending another copy of the same letter without addressing my concerns. Copies of my letters and the Kia Motors Finance website are attached.

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 2020-07-27 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have paid off my Shellpoint Mortgage in XXXX. They still do not report it as paid on all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In XX/XX/2018 I had a third party company that works with Nelnet named XXXX XXXX  XXXX call me. There employee by the name of XXXX XXXX Told me if I make {$200.00} and change in payments for 5months my student  loans will be dropped from {$11000.00} to {$5000.00}. He said I was eligible for the forgiveness program. I payed up to {$1600.00} and change to this company only for it all to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
XXXX keeps calling my phone to collect money that I owe then I have told them I do not have a job right now and they need to wait until I get a job so I can make payments again I understand its my responsibility to make the payments but I am jobless so I cant when I call them to let them know I can make the payments as soon as I can they ask me personal questions like well how are you getting by how are you getting money to pay bills like that is none of their business I received a loan for {$700.00} on XX/XX/20 right now I owe them about XXXX I would like them to stop making rude phone calls and stop harassing me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Disputed claim for amounts owed. {$440.00} was under impression it had already been paid and handled. Portfolio Recovery now calling harassing me and my family members. Did not have a co-sign or anything. Revealing details about case and debt to my family. Threatening me and my family who are not involved with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A settlement account with Bank of America has been paid off since XXXX. Although I have made repeated requests to have the information updated on my credit report, Bank of America has not taken the necessary steps to address the issue and continues to reflect inaccurate information.

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 2020-07-27 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: AES/PHEAA
State: MD

Complaint narrative:
All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to Fed Loan ( XXXX ) and I'm not delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: NJ

Complaint narrative:
Yamaha Motor Finance Corp reported me late to all three credit reporting agencies, XXXX, XXXX and XXXX  during the Pandemic. I was never 30 days late. I tried explaining this with Yamaha Motor Finance Corp SEVERAL times. They were very nasty, rude and wouldnt help me in any way. Not the way they should handle this situation, especially during the COVID crisis. Now my credit is ruined which I work very hard to maintain. It also caused one of my other credit cards interest rate to TRIPLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: MD

Complaint narrative:
All loans have been on hold because of income driven repayment. Due to COVID, 0 % on interest. Had my credit checked ( XXXX ) and my report stated that I was delinquent because of student loans. I already talked to XXXX  XXXX ( XXXX ) and I'm not delinquent.

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 2020-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX the vehicle I least was involved in a total loss accident. On XX/XX/XXXX the insurance company sent XXXX to Ally Bank for a payoff. On XX/XX/XXXX Ally posted the payment. On XX/XX/XXXX I contacted Ally to pay the XXXX deductible, and was told by Ally to wait till the account was finalized because the amount may be adjusted because of the Gap insurance on the lease. On XX/XX/XXXX the account was charged off as bad debt for XXXX saying my account was delinquent for two months, it was not delinquent. My credit dropped 50 point just as I am in the middle of a refinancing on my home. When the account showed up on my credit I immediately paid the XXXX and I still have no idea why I was billed. I have asked Ally to send me a breakdown of the bill and also correct my credit report and have been told by 3 different  operators, they dont do that and all they can send me is a paid in full bill.

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 2020-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I have a home loan with LOANCARE ( account XXXX ). Before 27 days BEFORE I " missed '' the XX/XX/XXXX payment, I filed with LOANCARE the request of forberance for just 30 days. The automatic email said it would take about 3 days. On XX/XX/XXXX, I emailed customer services and told them about they neglecting my request or my rights. I still didnt hear back for THAT message until XX/XX/XXXX! And it was only an automatic forwarding email! On XX/XX/XXXX, I mailed a check for XXXX $ with a note EXPLICETELY telling them about their inaction or lack of response to any of my messages. That was partial payment for XXXX, as within my rights. The remainder of XXXX 's mortage I paid by XX/XX/XXXX by check again. I never received a letter from this negligent company! I get robot calls but noone to talk to. Today, XX/XX/2020, I submitted by email the XXXX XXXX payment. TO MY SURPRISE, this irresponsible company has me as NOT PAID for XX/XX/2020! They chashed the checks. I told them in handwriting what the money was for. Also, I have a LATE FEE!! I have all the emails to prove that I did my part, as required, and this scam lender dragged its feet and is YET to give me a response from my initial inquiry from XX/XX/2020.

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 2020-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

Company response to consumer: Closed with explanation