vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: VA

Complaint narrative:
My principle income comes from social security and a modest pension. In XXXX of last year I decided to re-finance my existing mortgage. I have an XXXX credit rating and no other debt. Several companies were prepared to refinance my mortgage. Throughout the process the working number provided by New American was a monthly payment of {$1600.00}. I provided EVERY SINGLE DOCUMENT RQUESTED IN A TIMELY MANNER. 7 DAYS AFTER CLOSING I received a letter saying that New American was insisting on additional flood coverage that would INCREASE MY MONTHLY MORTGAGE BY {$200.00}!! 
This was never discussed for the two months prior to closing. My previous lenders did not request such coverage. Again, New American had two months in which to bring this subject up BEFORE CLOSING. That was the appropriate time to do so. Had they, I would have gone to another lender. 

Mortgage Timeline - XX/XX/2021 : first contact with XXXX XXXX - XX/XX/2021 : Phase 3 : Underwriting is looking into the background of all involved parties and reviewing your entire loan package based on income, assets, and documentation. 


- XX/XX/2021 : Emailed to XXXX a copy of my current flood policy - XX/XX/2021 : received document titled CHANGED CIRCUMSTANCE DETAIL with a list of changes that still did make any mention of additional flood insurance Estimated Monthly total Payment {$1500.00} - XX/XX/2021 : I received document with the following language : - We only need these last few items to continue to closing ; 1. Please provide a copy of your flood insurance policy. I have the homeowners insurance policy but it does not show the flood coverage. Is this in a separate policy?

2. Ive attached the flood FEMA findings. Please sign on page 2 - XX/XX/2021 : Signed Closing documents : XXXX + XXXX = XXXX - XX/XX/2021 ; Please Provide XXXX XXXX 7 days after closing!! 

- Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX NOW NEW ANERICAN SAYS MY MONTHLY PAYMENT IS TO INCREASE BY {$200.00} A MONTH!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
( Jefferson Capital Systems LLC ) At ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) Has Been Sending Me Collection Notices In The Amount Of ( {$720.00} ). The Collection Has Been Reported As A Pasted Due Balance. I Do Not Know This Company. I Have Never Done Any Business With This Company. This Company Does Not Have A Contract With My Signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted XXXX XXXX on XX/XX/2021 and they sent me to Frontline. When contacting the lender Frontline Asset Strategies ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, XXXX XXXX. I contacted XXXX XXXX, Operations Support Manager at the XXXX XXXX, and they claimed to not have knowledge of the account and sent me back to Frontline. Yesterday, I was contacted by XXXX. XXXX XXXX from Frontline offering me help with the account, but when I called back, they told me that I have to contact XXXX XXXX. They have been " playing this game '' since XX/XX/2021 when I first contacted Frontline Asset Strategies. I am really concerned, worried and having XXXX XXXX about this account and what could happen if both lenders keep avoiding responsibility and denying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
Hello, I paid a second off years ago in an agreement, they claim they never received the check, but I provided proof I sent it. Now they are trying to foreclose on my property. First, I tried calling them and just got automated services. 

I had hire an attorney to stop it the forecloser, but looked them up and they have a criminal record. both the president and CFO of XXXX XXXX XXXX XXXX are in jail for fraud. 

Now I again offered to pay them and they are trying to ask me for 5 times as much money. 

I need help in what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citi Bank is retaliating against me due to my XXXX and social security income. 

On or around XX/XX/2020, a XXXX transaction took place on my account for XXXX, XXXX and XXXX to a unknown person by the name of XXXX. I didn't authorized those transaction. 

Due to my XXXX and social security income, I requested an fraud investigation. 

I disagree with Citibank regarding the balance on the account. I didn't authorized the transaction. 

The transaction is not valid and Citi Bank has refused to conduct an investigation. I reach out to Citibank on multiple times to protect myself from unauthorized charges with XXXX but Citibank refuse to conduct an fraud investigation regarding the transaction which may be connected to the paycheck protection program. 

This is a discrimination action against Rev. XXXX XXXX XXXX due to his XXXX and social security income. 

The transaction was never received or made by me. The transaction was dispute with Citibank. 

Citi Bank is refusing to proceed with arbitration under the term and conditions. 

Such fraudulent transaction with my bank account is making it very hard to payoff my double cash credit card because XXXX is missing from my banking account. 



ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I applied for a refinance of my mortgage XX/XX/2020. Navy Federal has still not closed on the refinance 6 months later resulting in unnecessary interest accumulation. Navy federal stated they were poorly staffed and couldn't handle all the request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
We've repeatedly contacted the mortgage company that our home is 100 % exempt from property taxes as of XX/XX/XXXX due to XXXX XXXX veterans exemption and the escrow should be adjusted to remove that amount going in there for property taxes. 

I sent emails sent with supporting documentation to the company XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX We received notice there would be an increase taken out rather than less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2021, I received an email from XXXX XXXX a PayPal employee, email address, XXXX. Thanking me for my order of {$680.00} USD. Transaction ID XXXX!!, Confirmation Ref. # XXXX XXXX XXXX. I immediately responded and told them I did not order anything through PayPal, nor do I have an account with PayPal. I was then notified payment was made in full. I sent multiple emails to XXXX, Asking who ordered this product, what was the product, what country did come from, how was it paid, I have not received a single response from this person. I then sent an email to XXXX XXXX, president, andXXXX XXXX, CFO, I received a form letter response stating I did not have an account with PayPal, I already told them that, and as such they recommended I simply delete all of the correspondence from XXXX XXXX on my computer. I also sent the same complaint to customer service, they told me I had to have an account for them to respond. I firmly believe PayPal is hiding something, I gave them the transaction ID and the confirmation number, the amount in US dollars, date of the transfer, and they're telling me they will not investigate, but they do acknowledge the transaction was a fraud. I believe this was a fraudulent transaction, in PayPal is aware of it they made the transaction for their own best interest. I was told I do not have an account, if that is so how can they use my email address to complete a transaction in the amount of {$680.00} USD? I want to know what happened, and they are simply dismissing all of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
I recently noticed a debt collection agency reported that I owe {$230.00}, CBE Group, for XXXX XXXX. I called XXXX XXXX and they took a while and finally said I probably owe them for equipment. I told them that I have equipment ( modem and router ) but since returning it is such a hassle I planned to just pay for it. They never contacted me or sent me a bill for the equipment. They just sent the debt to the CBE Group. They told me that they sent an email back in XXXX. I have no emails from them. They could have sent me mail, called me, or just taken the money from my account since it had been on autopay previously anyways. 

This is a horrible practice. My credit report has been negatively affected due to their laziness. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
we had a mortgage with XXXX XXXX XXXX it was a baloon and was to be paid off in XXXX. XXXX recommended a refinance, and that new rez was who they recommend, we started the process. the two companies are connected, which we didnt realize. XX/XX/2021 our loan with new rez was conditionally approved. they said you have excellent credit and we figured everything was in the works.documents all signed and sent. since then everything has stalled. So many excuses.first our loan officer quit. covid. tech difficulties etc etc etc. they tell you dont apply for other loans it may affect your loan so we waited. we have a loan number and an account with new rez but still no information.we have called emailed and get no response. XXXX will not take any payments yet they send a bill every month with XXXX and new rez letterhead. new rez c/o XXXX XXXX XXXX now after months of not paying payments they reported it to credit angencies that we are late we have all the payments saved to pay, we want to pay our mortgage, but not anyone in either company is helping us or calling or emailing we feel like they are litterally trying to steal our home PLEASE help us with this stressfull costly situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/2021, I paid my mortgage payment through the mortgage company 's, Mr. Cooper ( formally Nationstar ), website. The full regular payment amount on - {$1200.00} was withdrawn from my bank account on XX/XX/2021. 

On XX/XX/2021, a payment of + {$1200.00} from Mr. Cooper ( Nationstar ) was credited back to my bank account. A third transaction occurred the same day of XX/XX/2021 deducting - {$1200.00} from my bank account. The activity on XX/XX/XXXX was NOT authorized by me, nor was it disclosed by Mr. Cooper. 

I have not suffered a financial loss. To my knowledge, my credit score and on-time payment history has not been affected, but this is highly suspicious activity. This can not be a computer error. I highly doubt it was a human error. Mortgage companies do not conduct business this way. I wanted to file this complaint to document Mr. Cooper 's irregular business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This complaint is in reference to my new Mortgage company Mr. CooperXXXX. Over the weekend, I was hit with a negative {$5600.00} plus dollars in my checking account. Upon checking my account with XXXX, there were 3 unauthorized deductions of {$1400.00} from the mortgage company. I spoke to a customer service rep from Mr. Cooper and XXXX XXXX. The mortgage company indicated that they didn't find out about the glitch in the system until Saturday morning. XXXX assured that all funds would be returned by Tuesday and any overdrafts would be covered. The bank rep also stated that letters would be issued by the mortgage company to be forwarded to creditors. Many of my household bills are auto deducted EXCEPT the mortgage in which I have held for 22 years. Question is : how was the mortgage company allowed to freely deduct monies that were not authorized? They took all of our funds. Our plans for that entire weekend were basically ruined due to this huge error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
Amex said that I have had delinquent payments but I have never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC
State: TX

Complaint narrative:
Following a refinance on a reverse mortgage with Longbridge Financial L.L.C. I received correspondence via mail of a Release of Lien paid off for the amount of {$530000.00}. The amount of my monthly statements reflect the my current total loan balance is XXXX, XXXX. There are no delinquencies on my property. The explaination by the company representative did not in anyway detail the facts of my personal documentation. A difference of {$260000.00}. Please advise me as how I can mitigate this discrepancy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Location Services Holdings, LLC
State: CA

Complaint narrative:
THIS COMPANY ( XXXX XXXX ) HAS CALLED REPEATLY TRYING TO COLLECT A DEBT THAT IS NOT MINE, AND I AM NOT THE PERSON THEY ARE MAKING THESE CALLS ABOUT, WE DO HAVE THE SAME LAST NAME. I HAVE ASKED REPEATLY FOR THEM TO STOP, HE IS NOW CLAIMING H IS A CRIMINAL INVESTIGATOR, THIS IS VERY SCARY FOR ME A SENIOR CITIZEN TO DEAL WITH, PLEASE HAVE THESE CALLS STOPPED THEY HAVE BEEN CALLIN EARLY IN THE MORNING, JUST AFTER XXXX THEY ARE REFERANCING THE FOLLOWING ACCOUNT NUMBERS : THIS IS NOT MY ACCOUNT ... 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CO

Complaint narrative:
At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted Experian and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with Experian and XXXX and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from XXXX XXXX  XXXX as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and Experian still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted Equifax on XX/XX/2021 regarding several unauthorized inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. 
I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
Occurred on XX/XX/2021 around XXXX. XXXX called AGAIN about a debt that was paid over a year ago and harassed me once again by telling me I was dishonest about a " confirmation number '' I gave him. I have received repeated phone calls from him about a debt that was already paid. Today he hung up on me when I was trying to provide him with even more proof the debt was paid through TCS. His own company. This time I emailed a screenshot and forwarded the receipt to him. I want the harassment to stop for a debt paid over a year ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Mar Joe Enterprises
State: TN

Complaint narrative:
CBC was sent a certified letter with return receipt for " request for verification '' on XX/XX/2021 for 2 accounts which are showing negative on my credit report. They received the letters because I received the " return receipt '' showing they received both letters regarding both accounts. I have never received a response from CBC collections nor have they verified my account and they have not removed it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX HAS ASKED EACH REPORT BUREAU TO PROVIDE IN WHICH IS required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 

iT'S BEEN OVER 30 DAYS SENT LETTERS ON XX/XX/2021. IT IS NOW XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted XXXX  and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with XXXX  and Wakefield and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from Wakefield and associates as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and XXXX  still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of the situation.

Company response to consumer: Closed with explanation