vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In XX/XX/2020 my wife and I closed a refinance of the mortgage that had then been on our home. Our first payment was due on XX/XX/2020 and I had planned to make it on XX/XX/2020 knowing such payment would be applied as of the due date. In the intervening time COVID-19 struck and the federal government issued a variety of guidelines for mortgage loans owned by XXXX and XXXX. I confirmed my loan was owned by one of the XXXX and decided to seek a forebearance as I was concerned about income from my part-time practice of XXXX. Months later my XXXX practice income had become non-existent and my wife and I decided we would seek to exit forbearance since we knew what our base income would be. After multiple attempts to get our servicer 's attention we finally received a proposed loan modification with almost no time to review its terms prior to signing before a Notary. After some time I finally had a chance to actually review the numbers and found them to be less than accurate. Since I spent 27 years in financial services I have a bit of experience in this regard. When I contacted my servicer, Quicken Loans, to express my concerns I was then told not only were the figures accurate but the post-dating of an escrow analysis was being added to the mix. I have now contacted the CEO of Quicken 's parent as well as my US Senators about this problem. As many servicers do, Quicken uses the XXXX XXXX garbage system now known by the acronym - XXXX. I worked with the system in a one of its prior incarnations as XXXX/XXXX  - it is literally an ancient system which XXXX XXXX and its predecessors try to keep " current '' by adding a lot of middleware and exporting data. Clearly, their IT staff are largely clueless in terms of actual business knowledge however Quicken staff treat what I have already concluded, in my actual expert opinion, as erroneous is embraced by them. The net effect of this is that I am unable to effect an intelligent review of what I've identified by anyone at Quicken and am hopeful you can be of assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
We purchased a home and obtained a mortgage in XX/XX/2020 through the XXXX  XXXX XXXX XXXX XXXX in XXXX, Texas. The loan was sold immediately to AmeriHome Mortgage Company. We had been informed by the Credit Union that we could apply for a recast on our loan after a principal loan curtailment. We started the process by contacting AmeriHome Customer Service in XXXX or XXXX of 2020. We were given instructions to send an email to XXXX. We emailed them on XX/XX/2020, XX/XX/2020 and XX/XX/2020. We never heard back after either of the emails we sent. Customer Service told us that we would NOT get an email from them, we needed to wait on something to arrive via mail. We were also told that we could not call them directly and that even the Customer Service department could not reach them directly. So, there is absolutely no way for us ( or anyone at AmeriHome for that matter ) to communicate with the Recast unit! Our only resort is to sit, wait, and wait, and wait, and HOPE that someone received our stuff and are working on resolving it. 
So far, we have received one letter from the Modifications unit. That was in XXXX. The letter came in the mail. It contained instructions on how to pay down the principal in order to be considered for the recast. We submitted a wire with our payment. It has been received. We saw the principal amount go down on our statement, so we do know they received the payment. Now we have been waiting since XXXX to receive the actual agreement in order to finalize the recast application and modify down our monthly payments. We have been told that something was emailed at the end of XXXX, we have looked for the email but have not found anything. 
We have been on the phone with Customer Service multiple times, ad nauseum! We have waisted hours and hours trying to get some help only to be told that there is nothing customer service or we could do! This has been extremely infuriating. Honestly, it has been a disaster! This is the 4th home we have purchased in the last 20 years and we have never, ever had such a difficult time with a mortgage company as AmeriHome! Not only that we can not read out to a department directly, but if we ask to speak with a supervisor in the Customer Service department, we are told they can not even transfer us to a supervisor ... We are told that they would need to place a request and that we would be called back in several hours or days! The last two times I asked for speak with a supervisor, no one called me back. No one!!! 
This has been an awful experience! I am at a point where I feel cheated by the initial lender even ... How dare they get a sale from us only to turn around and hand us over to such a bad lender?! First time to file a complaint with CFPB and I hope I never have to do this ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They do not have my correct social security number, but are using my name and address to validate accuracy. The company that they are representing is XXXX XXXX, in which I did have an account previously see below, but is is paid and closed. They account they have had a credit limit over {$5000.00}, which I never had the luxury of ever having. This account has never reported on my credit file either.. This account is fraud. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - XXXX XXXX - XXXX - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
I purchased an item I thought to be a legitimate merchandise from a XXXX " advertisement '', I paid it through my paypal account on XX/XX/2021. The item had never been delivered, as of todays date, XX/XX/2021. So on XX/XX/2021 I requested that Paypal dispute the charge and to credit the amount back to the source of payment, but Paypal has not resolved the dispute as of todays date. Whenever I go to the paypal resolution center, it says that it has moved the time for the resolution up 5 more days. IT has done that three times since XX/XX/2021. IT was suppose to be originally resolved by XX/XX/2021 but there has been no movement. The company XXXX XXXX XXXX XXXX, issued " fake '' tracking number, so as to not be able to track the paid merchandise, thus I believe it is a scam. IT was a split payment from two credit cards, through paypal. See Attachments of receipts/copy of disputes, invoices, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by XXXX XXXX XXXX XXXX. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact XXXX XXXX XXXX XXXX to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to XXXX  the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: MA

Complaint narrative:
I owed and paid my medical bill of {$210.00} on XX/XX/2020 to my doctor, XXXX XXXX XXXX formerly XXXX  XXXX  ). On XXXX XXXX XXXX XXXX services notified me by mail that I owed this same amount and it was originated from XXXX XXXX. I supplied by mail my proof of payment 1 ) my credit card receipt with transaction number details. Now yesterday XXXX XXXX I receive a notice from another collection agency ; Nationwide recovery service that I still owe this debt. The Forwarding agency is XXXX XXXX and Nationwide recovery received this claim on XXXX. 
I am XXXX and tried patiently to speak with a representative on the phone to provide my proof of payment details. They insisted I paid the wrong Doctor but I told them the name of the practice changed hands and it is the same debt that I paid on XX/XX/2020. 
I am mailing them my credit card receipt along with my credit card statement detailing this bill was paid - BUT I have no faith this company or the prior debt collector will follow through and investigate that I did in fact pay my bill. Both companies need to communicate with each other and the original collector XXXX my doctors practice ) that in fact I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: WA

Complaint narrative:
have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen never provided us with a XXXX-1098 form for one reason only they did not service us when our mortgage transfer due to the mortgage scandal. 
I dont care what letters they have provided in our original complaint. 
They have provided us with documents from XXXX to the present minus the 1098 form for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: PA

Complaint narrative:
I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before i file a lawsuit.

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 2021-03-24 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days and almost 60 days later I have still not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 45 days so they need to be removed immediately! I demand these inaccuracies be removed immediately or I will file for litigation due to the stress you have caused me. I am trying to get a mortgage to buy a home for my family and this is holding me back. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: WA

Complaint narrative:
have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.

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 2021-03-24 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: FL

Complaint narrative:
I have never authorized these inquires so please remove them. These items are not mine This is Fraud that I have them in my credit report. 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 2021-03-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never authorized these inquires so please remove them. These items are not mine This is Fraud that I have them in my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Accounts were opened with the following banks : Bank of America XXXX Both banks were contacted on XX/XX/2021. The accounts were closed on the same date. 

I contacted XXXX  credit bureau to file a fraud alert.

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 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I owned two Paypal Credit? Bill Me Later accounts with the original creditor. These accounts were established around XXXX and XXXX. XXXX sold these accounts to XXXX XXXX XXXX I believe in XXXX. The first account had a credit of {$1000.00} where the second was under {$3000.00}. After paying these accounts for years, $ XXXX $ 300 monthly on each, I noticed that the balance was never decreasing. I contacted the creditor on numerous occasions requesting the terms of the credit, balance and payment history but would never receive the information. I contacted the creditor by phone frequently inquiring about the no-interest promotional offer and why the account was accruing interest and fees when I had a deferred interest promotion but could never get answers. I stopped paying the creditor, because at this point I had paid well over the original balance and the creditor was engaging in predatory practices. 

In XXXX I received a letter stating that the accounts were sold to XXXX XXXX XXXX. I have since informed XXXX XXXX XXXX that my accounts were paid to the original creditor ( Pay Pal/ Bill Me Later ) and that they have failed to provide me with the credit terms and payment history needed and what they were trying to collect on was inaccurate. XXXX XXXX XXXX has since reported me to the credit bureaus and have also filed a claim in court to collect on this invalid debt.

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 2021-03-24 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: PA

Complaint narrative:
I recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before i file a lawsuit.

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 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
At the start of the pandemic, I contacted my then mortgage servicer ( XXXX ) to suspend my mortgage payments for 3 months. I'm a freelance writer and was nervous about the impact of the pandemic on my income. 

The mortgage includes PMI. 

At the end of the forbearance period, I was given the option to pay off the total of the skipped payments or extend the payments out to the end of the term. Again, due to uncertainty, I chose to extend the payments. 

The mortgage was recently sold to Mr. Cooper. Loan number : XXXX. I contacted Mr. Cooper to inquire about dropping my PMI as I am very close to ( or have hit ) 80 % LTV. Mr. Cooper told me that because the loan was modified and the terms changed, I would need to have 50 % LTV to have PMI removed. 

I was never informed that the loan modification would impact PMI. I've called several times to ask about PMI, and was most recently told that I could not have it removed. 

I don't believe that my forbearance -- and I am totally current on my mortgage and have never missed a payment -- should impact PMI. I would like PMI to be canceled.

Company response to consumer: Closed with explanation