vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I requested cancellation of PMI in XX/XX/2018. The company never responded. I have since repeated the request three times and did not receive a response. Finally, I spoke with a customer service rep on XX/XX/2018 and was informed the request was denied in XX/XX/2018 due to the home losing value. The value was never changed on my account website and I was never informed. I was also informed by the CSR that there was no direct line of communication with the private insurance department, and was given little detail regarding why my home was perceived to lose value. Using public XXXX, my home has appreciated.

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 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ESCALLATE, LLC
State: OH

Complaint narrative:
On XX/XX/18, I listened to a voicemail on my cell from this company that was left the day before. I have no idea who they are nor what " debt '' I owe to them. 
Therefore, they have NEVER verified anything by me ... 
The voicemail left yesterday was, " " This is Escalate, a debt collector. Return our call at XXXX '' *violation* insinuating a DEBT owed on my voicemail with OUT verifying they were leaving message for the correct party. 
I attempted to call this morning, XX/XX/18 @ XXXX ( within legal time of business hours ) and had to go through automated steps, 1 of which was entering in the last 4 digits of my son. I did so and recording stated, " we have found your debt ''. Then the recording said to call back during normal business hours ... .. 
***I have been in the collection industry for over 24 years and it makes me sick how these collection agencies think they can get away with violating the Federal Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I called the National Consumer Telecom & Utilities Exchange to place a security freeze on my data report. They said they could not locate my information. I need to have an immediate security freeze placed on my data report, because of the XXXX  breach, someone could open a cellphone or internet or cable account in my name without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, postmarked the XXXX - I received letter in the mail that XXXX XXXX was selling my loan to XXXX XXXX. I was all set up with automatic payments for my mortgage so the money was withdrawn to my account and sent to stearns. I logged into the account to see what was going on because of the letter and my balance showed XXXX, i called into XXXX to set up my recurring payment with them on XX/XX/XXXX which is a week after the loan apparently transfered. XXXX  couldnt find my loan anywhere, I called Stearns that same day to confirm and they said give it another week we show a XXXX balance and that its transfered. I call back on the XXXX and XXXX still doesnt have my account, also at this time i get an automated call from stearns to call. So i do, the automated system tells me I am past due on my XXXX payment. So i speak to representative who says that i am past due, but i tell her that I received two letters about a transfer of loan, and last week I was told by customer service that it was transferred. She says that is not correct and you are past due, I stated that Stearns collected the money and it is shown in my bank account as withdrawn and cleared. I was told to provide documentation of this transaction, so I did. They confirmed the received the payment and had sent it over to XXXX but in that time cancelled the transfer. I asked why then is my account showing past due and why am i getting collection calls - they stated they cant cancel until they get the money back from XXXX. Over the next two weeks i called a total of 6 times each time having to spend 45 minutes to an hour explaining the situation, I finally was able to stop the calls. I made my XXXX payment and then was notified again that my loan was being transferred to XXXX, so now I am here again with a mortgage payment missing somewhere although i paid it on time, and now XXXX  shows me as past due and wont address until Stearns issues the payment i had made to them when i was still in their hands ... 3 months of stress, 12+ hours of calls with people now knowing what they are doing and the end result will most likely be that I show i dont pay my mortage on time even though i do

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 2018-09-06 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I filed bankruptcy in XX/XX/2018 and TD Bank ( Raymour and Flannigan line ) charged off my account and is showing I still owe a balance on the credit report, but still filed their proof of claim. When disputed with the company I was transferred several times and finally ended up with a gentleman who informed me that I was out of luck to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
In XX/XX/2018 my mortgage was transferred to Mr. Cooper for servicing. My mortgage was on auto-payment with the previous servicer, that charged my checking account on the first of every month. On XX/XX/XXXX, I logged into my mortgage account at Mr. Cooper to see if they would continue with the auto-payment. My account showed no auto-payment for XXXX and indicated the next auto-payment would be XX/XX/XXXX. To make sure that my payment was on time, I made a manual payment to charge my checking account at XXXX. On the night of XX/XX/2018, my XXXX account was charged twice- once for my manual payment and an auto-payment from Mr. Cooper XXXX 

I called Mr. Cooper on XX/XX/XXXX to see what could be done and the Service Rep got a rep from XXXX on the phone. After some discussion, it was decided that the best course of action was for me to place a stop payment on my account for the mortgage payment and resubmit the payment later in the week after lifting the stop payment. I would be charged a {$30.00} overdraft fee by XXXX, but I was okay with that. The Mr. Cooper said there would be a {$20.00} returned payment fee, but she would be happy to waive it. 

The fee was not waived and was charged to my Mr. Cooper account. I am not sure of the exact date, but sometime in mid to late XXXX, I called Mr. Cooper and explained what happened and ask to have the fee reversed. The rep said that they would submit the fee for reversal. 

During the week of XX/XX/XXXX, I noticed the fee had not been reversed and called Mr. Cooper. The service rep apologized and said she would make sure the fee was reversed. 

Today, XX/XX/2018 I logged into my Mr. Cooper account and saw that the fee still showed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have two Citibank credit cards. I recently moved to a new address. I tried to update my residential and mailing address on my Citi credit card account through their website, but their website sets a limit to the number of characters you can enter for each line of the address, which is shorter than my address ( my address is USPS approved ). It doesn't allow me to enter my full address. Although their website pops out the USPS suggested address, it just never takes it. Then I called their customer service number twice and asked the representatives to update the address for me. They said they couldn't do it. One of the representatives even asked her manager to help fix issue, but they both failed. Then they promised me to escalate the issue for me and said it should be fixed within 5 business days or so. Now 7 business days has passed and my address still hasn't been updated. Now I'm really worried that I won't receive mails and statements from Citibank and may miss payments, as my address on their book can not be updated to my current one.

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 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XX/XX/18 - ERC manganger XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Repeated calls trying to collect debt from a XXXX XXXX with a different SS #. 

My name is XXXX XXXX XXXX with a different SS # and different birthdate. 

Has been going on for years calling my cell phones ( XXXX ) XXXX, ( XXXX ) XXXX and the home phone ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: SC

Complaint narrative:
On XX/XX/XXXX, I was issued a loan from XXXX  for {$600.00}. To date, I have paid {$390.00} which has cleared and posted plus another {$130.00} which is in process for a total of {$520.00} ( 4 payments of {$130.00} ). Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. Once I make my fifth payment of {$130.00} on XX/XX/XXXX, I will have paid {$650.00}. To pay the {$90.00} fee, I would owe a remaining amount of {$32.00}. I will pay that amount on XX/XX/XXXX. 

The XXXX website states I still owe {$670.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$390.00} which has already cleared, to collect another {$670.00} from me would mean XXXX will receive {$1000.00} on a {$600.00} loan. 
This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my fourth payment ( XX/XX/XXXX ) and fifth payment ( XX/XX/XXXX ) of {$130.00} each are posted to my account, I will only owe {$32.00} to pay back {$690.00}. I will pay that on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I funded a loan in XXXX for a property. In that process i took a higher interest rate in lieu of paying the PMI. The servicing was sold in XXXX of this year to Chase ( original lender was XXXX XXXX ). 

in the transition ; the lender paid PMI was lost. Chase is now drawing on MY escrow account to pay the PMI that the lender should be paying. 

It appears that XXXX, though making the payments for me, was not using the typical structure for this methodology. They were taking payment from my main escrow account but off-setting that debit with a monthly credit in the same amount. That credit is no longer being applied. 

In talking to chase ; they are saying that it doesn't exist and i have to pay the PMI. I took a .25 % rate increase to avoid that. I have my escrow disclosures from XXXX and XXXX that match up in amounts to the statements. those statement amounts do NOT include the PMI ; just the monies for the taxes and insurance. I would like assistance in getting this resolved wherever the error lies. 

Looking at the docs ; you can see the amounts in the escrow disclosure match the amounts of the escrow in the statement. those amounts do NOT include the PMI because i never paid it. there is also a ledger of the account you can see where the credit was applied. that credit to offset was NOT paid by me. not sure how it was done in the prior lender but it was NOT paid by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
1. The car was a lemon I put {$5000.00} down when I first bought the car, and it was returned within 6 months voluntary due to all the issues wrong with it.

2. It was later sold to auction but still showing as if I am missing payments and not actual amount after being sold.

3. I have contact the company and disputed the item on my report numerous times to be reported correctly and company refuses.

4. company has car but is reporting as if I still have the car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX  card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ), incorrect information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. 

However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. 

I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. 

The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
I received yesterday a notification from Movement Mortgage to myself and my XXXX yr old son that there has been a data breach and that our information has or might have been compromised. My problem with this is that neither my XXXXyr old son or myself have ever applied for a mortgage with Movement Mortgage. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have always done my mortgages thru my bank. I am very concerned that they have any information on me and extremely concerned that they have information on my XXXXyr old son.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo Credit Card has been reported charged off for more than 6 years and they report that I still owe every 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 explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.

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 2018-09-06 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: FL

Complaint narrative:
XXXX  is listing a XXXX XXXX credit card ending in XXXX on my credit report, from XXXX XXXX. This is wrong and should be deleted. I never authorized this account and I already had a XXXX XXXX card that was opened on XX/XX/2012. 
This is a duplicate listing and under the terms of the FCRA, ( Fair Credit Reporting Act ),  incorrect information must be deleted.

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 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I called the XXXX XXXX XXXX, managed by the National Consumer Telecom & Utility Exchange ( run by XXXX ) to place a security freeze on my XXXX XXXX XXXX data report. They said that they could not locate my personal information. I am very worried that some crook could use my XXXX XXXX XXXX data report to open credit in my name, without my authorization, because of the horrendous, enormous XXXX   security breach earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM EQUIFAX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
. 
XXXX.. 
XXXX.. 
XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I have been writing and complaining about my loan with Rushmore management. All of a sudden my monthly payment went up from XXXX to XXXX dollars. They said it was due to taxes and escrow. I objected and said I would rather pay my own taxes for which I made a XXXX dollar payment to VA department of taxation. 

Calling Rushmore is useless. The people who answer are either in the XXXX or elsewhere. Each says something differently. In the month of XXXX I was in XXXX, CA and even though I had asked whether Rushmore had an office there, on the phone they told me it is just a PO Box . Well, I went to a building and No it was not a PO Box but a few story company there. I asked to meet someone. Finally a lady by the name of XXXX XXXX came and I talked to her at length and told her of my grievances. I also paid an amount of XXXX which had remained from the XXXX dollar payments i had made. I also told her that I think it is absolutely ridiculous and highway robbery that after making nearly 2000+ a month since XXXX on a loan of XXXX, I still owe Rushmore which is now the new lender or service loan XXXX plus some XXXX in late fees!!!!! I have paid over the years more than XXXX on this loan and still owe apparently XXXX!!!! How much do these people want? 200 percent on their investments? or XXXX?!!! 
I have asked in various letters and complaints that I want this balance down and the monthly payment to be reduced to an amount that I can afford. I emailed Ms. XXXX two times since I met her and have left her 3 messages on the phone. She has not even bothered to return my calls. Ms. XXXX also told me that Rushmore is changing the amount to a lower amount as I paid the taxes. But what I get is the same amount and in fact the last statement was for 5000+. I want a total change on this loan and I want Rushmore to provide answers and return my calls. Otherwise, they are considered UNPROFESSIONAL.

Company response to consumer: Closed with explanation